Cash is More Powerful than Credit!

Have you seen it? There is a new Visa commercial on TV. The setting is a busy deli where dozens of fast moving busy people are buying lunch. The sandwiches, sodas, lunch meat, veggies and condiments are flying through the air with the precision of a river dance. Everyone is happy as they approach the register to pay using a credit card. The pace is fast and well choreographed. Everything is going with incredible precision when suddenly a man approaches the register and pulls cash out of his wallet. Suddenly everything screams to an abrupt stop, people spill their food, several loud audible gasps can be heard and everyone begins to stare at this man in profound horror. The message: cash disrupts the fast pace flow of society.

Imagine for a moment that you and I are standing on a busy street having a conversation. I am holding a $20 bill in my hand. Come with me to that vendor over there and I will treat you to a latte or a coffee. Here is what will happen:

First, the vendor will smile. He will *-not-* have to pay a 1.5% + $.30 transaction credit card processing fee on the purchase we just made. If our coffee costs $8.97 and we pay with cash then the vendor will get to keep $0.43 that he did not have to pay to Visa, MasterCard or Discover. If everyone paid with cash, and 100 people purchased coffee a day, he would have an additional profit of $57.00 per day ($399 per week). But, dont worry because the vendor already figured the cost of credit into your cup of coffee. He has no choice as long as Visa brainwashes you and me into thinking that cash is a punishment and credit is king.

Second, I would not have to pay 24% interest for a cup of coffee. Visa takes money out of the vendors pocket and then takes money out of my pocket. And because I like to entertain and let my coffee habit get away from me, I could be forced to carry the balance over until next month. Wow! I have never had a cup of coffee stay with me for that long. Combined with all the other purchases of yesterday, I have nothing left for tomorrow.

Third, I will enjoy my coffee the most because I dont have to hassle with reconciling my credit card or bank statement at the end of the month. Cash is final. Cash is immediate. Cash is complete and the sale will not haunt me for ages to come.

And finally, I get my approval elsewhere. Not from a machine that blurts out the word approved as if my low self esteem needed a credit card machine to give me an ego boost. I have never been declined when paying with cash. Never embarrassed and never intimidated. I am thinking that Cash is far more powerful than credit.

So why would Visa pay such a premium to convince you that cash is a punishment for our society? Because, debt is a product. And a very profitable product at that. Think about the numbers I mentioned above. Ask your favorite vendor what they pay a month in credit card transaction processing fees. The amounts you hear will be very eye opening. Then ask your vendor for a discount when you pay with cash. Ill bet he will gladly give you one! I gladly give cash discounts for all my customers.

Wow! Imagine if I bought my next car with cash? What would that feel like? I would be a king! And then imagine if I bought all my future cars with cash. Sound impossible? It is most certainly not! We only make it impossible because we have adopted a gotta get a loan mindset that sabotages our future wealth.

The New Debt-Free Mindset is sweeping the world. Will you embrace it? Or will you pay $469,520* in Interest over the next 37 years struggling to make ends meet and saving nothing for your future? This is the prevailing question of many financial planners today. Debt is the nemesis of retirement for the average American and as debt grows, retirement funds shrink to dangerously low levels.

-- Sobering Statistics

The average family pays $4,680 in credit card interest per year. The typical credit card will be paid off in 37 years if you only make minimum payments. Over 70% of American families today live paycheck to paycheck and never touch the principle on their overwhelming debt load. After 37 years these families will have paid $182,520 in credit card, car loan and student loan interest alone. Add another $287,000 of mortgage interest and these families will have handed $469,520 to the bank over their lifetime. Was it worth it? We now understand why debt is the most heavily marketed product in the world today!

So many people are sick and tired of the negative impact debt has on their lives that they are declaring war. Myths about debt are being dispelled everyday and people are adopting this new debt free mind set as their primary defense against poverty, bankruptcy, and personal disaster. Hope has been stolen from us and we want it back! King Solomon wrote the following words nearly 3000 years ago. Take a moment to think about them.

So next time will you pay with cash or with credit? Remember that rich people pay with cash, poor people use credit. Will you be poor or be rich?

Tom Beeson is a Consumer Financial Coach, writer, public speaker, and founder of Bright Pathways Coaching Center for Abundant Living helping families to achieve financial stability and wealth. He is well known for free weekly tips on abundant living. Readers are invited to signup at http://www.brightpathways.com/.Alejandra Blog80209
Anitra Blog34146

Make Money Online by Building Momentum

The past month has been a very successful one for my online business in terms of traffic going up, number of new affiliates going up, and money in my pocket getting heavier. This really inspires me because after admitting to being lazy about my business over the hot summer months, I am just slowly starting to get back into the swing of things. I am just slowly starting to return to my daily to-do list after having made it more manageable and motivating for me to complete on a daily basis. I am not fully back where I should be in terms of work I need to be doing, and yet, it was my most profitable month ever. I have to say this really motivates me to work even harder, and be more consistent if I really want to make money online. I've realized that you can do this too by building your business momentum.

Many people who want to make money online start a new program with the hope that they will make millions overnight. This just isn't realistic no matter what some online business owners may tell you. I've seen the effects that building momentum can have on your business. I've been through some ups and downs and everyone will experience these. But if you give up on your online business even before a year has passed, you don't even have the chance to get the momentum going, or see that next upward swing in your results, and it will come if you put the time and effort in!

Let me explain by example what I mean by building momentum so that you can make money onlineThere are four ways I have done this, which are: Forum posting; Article writing; Blog posting; and Link generating.

Forum posting means that you join some discussion forums on business related topics, or topics related to whatever your website is about. It's free to join these forums, and a great way to get yourself into a community of other people who are doing exactly what you are doing. You can share ideas, ask questions, look for information, help others, make new friends, and find out what all the top dogs are up to. At first you may think this is not at all really vital to your business and a waste of time. Well, think again! I have made sales simply from offering helpful advice in forums after someone followed my signature link to my site.

A friend of mine who frequents a fishing forum told me that people won't even pay attention to you unless you have made over 500 posts. I thought he was full of it, until I had 500 posts, advanced in my status, and then had 1000+ posts. Believe me, people will pay attention to your posts the more you have because they can see that you have been around for a while and must know what you're talking about. This isn't to say you should go and spam the forums. That is a no-no! Make useful contributions to the forums and offer something of value on a consistent basis, and you will be building momentum for your business through forum posting.

Article writing is the next way I have built momentum for my business. Again, this is something you don't do overnight not if you write your own original articles like I do. This is one of the best ways to advertise your business these days. Provide an article with useful information, and submit it to an article distribution service that will distribute your article to thousands of publishers with your online business links at the end in the author bio-box. You'll be amazed at how fast your links get dispersed around the net One-way links pointing back to your site! I have also found that the more articles you write, the more of an authority you become in your niche. The more articles you have to your name, the more people will realize that you have something valuable to offer, you can be trusted, and your readers may decide you're worth buying from.

Similar to article writing is blog posting. The more frequent your posts, the more traffic you will get to your site. I recently found a tool on the net that allows you to type in your blog address to get a monetary value of what your blog is worth. Now I have posted my own articles, as well as other people's articles to my blog, and have added special news and reports in addition to that. According to the value I got for my blog, I need to beef up my blog even more! Obviously this takes time, and that is my point when I refer to "building momentum". If you quit early on, you will never have the chance to make your online business work for you or make money online.

Finally, link generating is another means I have used to build momentum for my business. The search engines don't even like it if you gather links too quickly because they see it as a deliberate attempt to get a link back to your site. It is recommended that you gather links slowly, maybe 10-15 new links per week, and you want thousands of links pointing back to your site! This, too, will take time, and over time, you will see your link popularity grow if you continue to gather links by writing articles, posting your URL to the link directories, linking to the internal pages on your own site, commenting on blogs, posting in forums, and so on.

Building momentum means taking the time, and making the consistent effort to build your business. It means not giving up pre-maturely, thinking nothing is working for you, and that you are not making any money online. If you take consistent action over time by posting in forums, writing original articles, making frequent posts to your blog, and getting as many quality links pointing back to your site, then have what it takes to make money online!

Liane Bate owns a Plugin Profit Site web business, and is a member of Success University and the IAHBE. Visit: http://www.HonestMoneyMaking.com and http://www.HonestMoneyMaking.com/blog/Annmaria Blog62385
Ailyn Blog37310

Business Finance & Financing Decisions

The goal of corporate finance is to raise sufficient capital at the least cost for the level of risk that management is willing to live with. The risk is that a business will not be able to service the debt and be forced into bankruptcy.

Broadly speaking there are 5 main ways of funding a company's needs:

* Receive credit from suppliers
* Obtain lease financing
* Obtain bank loans
* Issue bonds
* Issue stock

Supplier credit

This is the easiest way that companies obtain funding. Companies buy goods and services and have anywhere from seven days till 6 months to pay for them; when companies need more credit from suppliers the financial controllers will negotiate longer credit terms or larger credit lines. The payment terms can also be stretched and this can work well because the creditors do not want the customer to go into bankruptcy taking their money with them.

Lease financing

Instead of buying equipment, many companies choose to lease equipment - this is a form of franchising.Cars,computers and heavy equipment can be financed for short periods or indeed longer periods.

If it is a short period it is referred to as an operating lease and at the end of the lease the property is still useful and is returned to the finance company.

Long term leases are, in substance, ways are ways of funding a purchase rather than buying the temporary services of a piece of equipment. These are often referred to as capital leases.

For capital leases the leased assets and the financing liability are recorded on the leasing company's books as though the company had bought the equipment outright.

Bank financing

The next level of financing involves banks. If a company has a credit line or revolver with a bank it draws down and pays back up to set limits of credit as cash is needed and generated by the business. The credit is often secured by assets of the firm however if a business runs into trouble it may not be able to pay the bank and go into bankruptcy

Bond Insurance

Bonds have fixed interest rate contractual payments and a principal maturity. The risk comes to the firm's owners if they cannot be serviced. The principle bond owners can then exchange them for ownership of the company and oust the owners.

The After-Tax cost of Borrowing

Interest payments for borrowing from vendors, bankers or bondholders are tax-deductible, while dividends to shareholders are not. The after-tax cost of borrowing is the interest cost less the tax benefit.

Stock Issues

Stock issues have non-contractual, non tax deductible dividend payments. Stock represents an ownership in the business and in all of its assets. If additional shares of stock are issued to raise cash, this is done at the at the expense of the current shareholders' ownership interest. New shareholders share their ownership interest equally on a per-share basis with the current shareholders - this is why analysts say that the new shareholders dilute the interest of existing shareholders.

Summary

In summarising, the higher the percentage of debt to total capital, the higher a company's value, to a point. At the point where the risk of bankruptcy becomes significant, values fall. The cost of financing decreases as a company adds lower-cost shielded debt to displace the higher returns required by equity investors.

Naz Daud is the Founder of the CityLocal Internet Business Franchise Opportunity.Aidan Blog81754
Angelita Blog25212

Do You Have Real Control Of Your Business?

As I have seen over the years the workings of companies large and small I have always been surprised at how few CEOs and MDs really get their monthly reporting information set up to help them run and have control of the business. So heres my check list on what I believe you need do:

To run your business effectively it is essential that you have the right financial and other key performance indicators provided to you regularly and you need to remember that (regardless of what others may think) this information is there simply to help you run the business.

You must therefore ensure you get it in a format, a level of detail and using terminology that you are happy with.

Accountants, just like most professions, make their activities appear more complex and difficult to understand than necessary - I think it must be some form of self-preservation activity that we all have!

So let's start with the terminology:

Each of these terms mean exactly the same thing:

orders = bookings
order book = backlog
backlog = overdue orders = back orders
sales = revenues = turnover
cost of goods sold = cost of sales
gross profit = trading profit = contribution
operating profit = trading profit = PBIT = EBIT = surplus = EBITDA(sometimes)
earnings(sometimes) = EBT = PBT = net profit
debtors = receivables
creditors = payables
stock = inventory(sometimes)
cash = liquidity
work in progress = work in process

- and there are many more*

So you need to get in your helicopter and take control youre the boss. Decide which accounting terminology (finance-speak) you wish to adopt and then make everyone, including your auditors, stick with that in everything you, and they, do.

The next thing you need to be clear about is the information you need and the way in which you want it to be presented.

All the figures you see in a set of accounts are, by definition, historical but what you need to do, of course, is look to the future. Running a business successfully is much more about looking at trends rather than absolute figures and you need to track key financial information month on month, year on year and against budget to really see the direction the business is going in.
It is so easy to get bogged down in the detailed numbers and miss the big picture and Ive actually seen this more with Corporates than with SMEs.

I worked for Burmah Oil at one time and their monthly reporting packs and annual budget packs were up to 50 pages long! and were not drawn up in any way to help the CEO run the business. When I was at BTR, however, the reverse was true. They had the most outstanding monthly reporting pack I have come across it was never more than ten pages and the first page summary gave you an instant overview of the business from which you could then go further into any areas of concern. Ive since used that format in many companies and if youd like a copy just drop me an email at roger@rogerharrop.com

So what information do you need on this front summary sheet?

Start with whats most important - Profit that is if your purpose in some way involves profitable growth.
If youre in the type of business where there is a time lag between receiving the order and the sale taking place then you need Order Input as this is the very first indication you get of whats going on in the business.
Also have Order Book so you can see what youve got to go at.
ROS (Return on Sales) see later
Depending on the business, one or two balance sheet items always including Receivables.
Cash Flow is very important
People Numbers
one or two non-financial ratios which are relevant to your business for example OTIF (delivery on time in full) and maybe a quality, customer satisfaction, service level or health and safety measure.

That information alone shown month on month, tracked against last year and your budget should give you sufficient trend indications to see instantly the health of the business and how things are going.

Next I have always found the need to get in the helicopter and look at the big picture more with financial information than probably any other area of the business.

Along those lines, I would strongly recommend that you draw up a simple helicopter P&L account with only those 7 elements shown below whenever you are looking a budget - be it your own, or one that, maybe, a subsidiary company is putting forward to you for approval, or indeed merely to compare year on year performance:

If you're in a manufacturing business then as likely as not you will have some element of labour and factory overhead taken into your product costing and your gross margin calculation and I find whenever comparing year on year this can really make true comparisons difficult. So if you have such a business you will need to have a further line included above of labour, overhead and materials going into or coming out of stock (just one figure) to complete the P&L statement.

If your purpose, like many businesses, includes sustained profitable growth then a key performance indicator is ROS (Return On Sales). This is PBIT as a percentage of sales and what you are seeking to ensure is that not only your absolute profit figure increases year on year but also that your ROS also improves every single year.

For that to happen, of course, one or more of the P&L elements below the sales level in the P&L must be reducing as a percentage of sales.

The key ratios therefore you should look at in the above P&L when comparing, say, a budget for next year with forecast performance for the current year are simply the individual line ratios against sales - because only by each of those reducing can the ROS increase - it really is that simple!

Weve concentrated so far mainly on the P&L but, of course, businesses go bust because of a lack of cash not a lack of profit.

Control of working capital (essentially receivables, payables and inventory) is very important for you to monitor.

You should regularly look at receivables days and inventory days (where appropriate) and have a discipline of doing regular cash flow forecasting -which really isn't hard to do with a reasonable degree of accuracy no matter your business.

You may by now be saying to yourself that you can really rely on your Accountant or your Finance Director or Controller (depending upon the size of your business) to do all the above analyse and monitoring for you and you should not need to worry about this.

Please do not make that assumption - it's very dangerous. It's your job to run the business, and that means that its your job to keep a grip on the key numbers and trends.

* Before writing this article I put this list to about a dozen financial people around the world. I received back from a number of them some very pedantic statements that I was wrong and that certain terms were definitely not equivalent and had quite different meanings. The problem was, however, not all this pedantic statements agreed with each other!

© 2006 Roger HarropAlejandrina Blog85483
Alana Blog59006

A Different View on Pricing - From a South African Perspective

A business researching and developing a new product normally designs it first and the estimates the cost to determine the final price. If the cost - and the resulting price - are too high, the product will go back to the drawing board for more revisions, delaying the introduction of the new product.

The Japanese approach is to start with a target cost based on the price that consumers are most likely to accept; then the designers and manufacturers engineer the product to meet that target. The Japanese system focuses on pinning down the key cost elements of the product in the planning and design stage. This concept is central to the entire process because that is the point at which virtually all subsequent costs of the product are built in - from manufacturing to service. Careful planning and co-ordination in this phase means lower costs and better cost control further down the manufacturing pipeline.

The Japanese approach relies on a team of workers from a wide array of disciplines to bring a product to market. The team researches the market to come up with the products target price. From this crucial decision all else follows. After deducting the desired profit from the target sales price, the team of planners develops cost estimates for each element of the product. The team treats every part or function as a component and assigns each one a part of the target cost. This is where the battle begins. The Japanese use the word tataku, which means "to beat down," to describe the battle over costs with their suppliers. The battle is an intense negotiation process between the company and outside suppliers to push down costs to meet the overall target cost. Initially, the sum of the components' cost estimates may exceed the overall target cost, but by the time the battle is over, the team is usually within striking distance of the original target.

Andrew Smit - http://www.turtleherbestate.co.za where you will find Global solutions and ideas. Turtle Herb Estate Holdings consists of 3 forward thinking entrepreneurs with expertise in marketing & DTP advertising, farming culinary and medicinal herbs, web design and online marketing, horse breeding (sport horses),we embrace a holistic approach to entrepreneurship.Ameline Blog63413
Anjanette Blog83602

Loan Insurance Can Be A Valuable Safety Net

Loan insurance can be a valuable lifeline if the worst thing should happen and you are unable to work due to involuntary unemployment, an accident or prolonged sickness. A policy will cover you for a specific amount of money and for a period of time, usually around 12 months, sometimes up to 24 months, which means that you would be able to continue to met the monthly repayments on a loan, credit card or other borrowing. However it can only be a valuable lifeline if you have purchased the policy correctly.

Policies have exclusions within them and these are usually hidden in the small print, so unless you specifically read the small print, they can go unnoticed. This could mean that if you try to claim for something that is excluded, then you simply wont get paid and will have wasted the premiums as well as have the financial worry of how to cope. Unfortunately the majority of people buy a policy alongside their loan or credit card from their and do not bother to read the small print, believing that they have bought a policy they are eligible to claim on.

In order to get the right policy for you, then it is essential that you shop around go with an independent specialist provider who knows the ins and outs of the sector and so can give you the benefit of their knowledge. Along with this, the standalone provider is able to offer you the cheapest premiums on a policy and this usually can make a huge difference compared to the price quoted by the high street lender.

With finances often being stretched to the limit after all, this is why you take on a loan in the first place - then it is of course wise to get the essential cover for the cheapest premium possible. The high street banks have been well known for charging premiums that are way above the odds in favour of making huge profits, even if this means giving the consumer poor advice when it comes to their policy. So loan insurance can be a valuable lifeline, but only when taken out correctly, so do thoroughly research the marketplace before you buy.

Simon Burgess is Managing Director of the award-winning British Insurance (http://www.britishinsurance.com), a specialist provider of low cost income payment protection insurance (PPI), mortgage payment protection insurance (MPPI) and loan payment protection insurance.Anselma Blog10898
Alison Blog271

How The Average Person Can Make Money Online

The experience in situations of life and death very easily describe feelings you get when you dont know where your next meal ticket will come from! A guru in the internet marketing field sums it up in his own experience when he said, Ive seen war zones, but nothing prepared me for the utter panic I felt that day as the realization set in! The average persons guide to making money online draws on the very fundamental of internet marketing.

1. The Attitude

The average person is in danger of hearing words like this one at work unannounced, No More Company, No More Money, and So No More Pete! Does it sound familiar? In his great book (in my opinion), Who Moved My Cheese, Spencer Johnson admonishes everyone who cares to listen to constantly smell the cheese to make sure its not stale so you are not caught unawares! The cheese here will especially mean, but is not restricted to, your JOB. The idea is that the pace of change out there is not easily discounted for and shouldnt we be on our toes?!

Many experiences show that the average person gets the best and quickest results when uncertainty is thrust on them. It creates urgency and a squeezing of the brains good juices when a job goes out through the window. It could also be a smouldering and passionate hatred for your ongoing, unsatisfying and unfulfilling job! Good news is that there are tools in internet marketing that will get you up and running and smiling in no time. Devastatingly simple processes! How does it sound when all you have to do is stand on the shoulder of an already successful internet marketer so you can avoid the pitfalls and booby traps early on in your internet marketing career?!

2. Get A Domain Name And Website.

One pitfall to avoid in getting started in internet marketing is the tendency to over complicate things. This probably stems from what we have been taught from childhood that hard work equates to financial reward and so things must look a bit complicated! How do I make money from a domain name and a website? Think about a SIMPLE one page website with one theme running all through the one page (no complications). Another heads up in internet marketing is, whatever you do to get started in internet marketing, remember to DO ONE THING AT A TIME! Its sounds simple enough but a great many of us just get about doing so many things at the same time. How come we dont remember that a jack of all trades is the master of none? I am excited by the deluge of helpful resources available on the internet to help achieve a purpose as simple as creating a one page website for example. You no longer have to be an expert to create a professionally looking website. Check out some helpful websites like; www.godaddy.com, www.yahoo.com and www.fasthosts.co.uk. You would want to avoid free websites if you are serious about making money online. Truth is, there isnt much that is actually gratis on the internet! With free websites you end up with whooping great advertisements on the bottom of your emails or horrible pop-ups on your website.

3. What Will You Be Selling?

I will tell you that a great many internet marketing books scream about how great it is to go with anyone of the selling models available on the internet. They do this without encouraging you to find out what will come natural with your own person! Its probably not there fault because the front page of e-books already warn that you are responsible for any personal liability, loss, or risk incurred, as a consequence of acting on the information sold to you! Also remember that it is your responsibility to critically assess my advice or any gurus advice and get on with, for example, the number of products you think suits you. What will I be selling?

1. Affiliate sales

2. E-books

3. Software

This isnt hard to do. The first time is the hardest but when you do it right first time you can repeat the process and join the gang of those who earn a comfortable living through multiple income streams. Imagine having 25 websites selling with each website making over $1,000 every month? Our dreams are all weve got and we can make them happen! Its time to start working. See you at the top!

Copyright 2006 Peter Crown

Peter Crown is an author and info-preneur who believes the age of the employer is over. For more information on this creed you should visit http://www.jobhatersguide.com.Anica Blog91056
Avis Blog69516

Commercial Lawsuit Loan! How Does It Work?

Commercial Lawsuit Loan! How does it work?

No-Risk Legal Finance. Great Help to plaintiffs in a Commercial Lawsuit.

A Commercial lawsuit case is mostly civil tort in nature and usually brought by one damaged party, either an individual or a business entity, against another business entity. In these types of cases damages alleged are usually monetary in nature.

99% of plaintiffs involved in commercial lawsuits dont realize they can get cash advance before their case settles. Commercial Lawsuit funding is also called as Commercial Lawsuit Loan, Commercial Legal Finance and Commercial lawsuit settlement cash advance. But these are not loans because the money does not have to be paid back unless the case is won or settled.

These are Non- Recourse Lawsuit loans or Cash Advances. It carries No Risk because plaintiffs owe nothing if they lose the case.

When a business is a plaintiff in a Commercial Lawsuit, the legal proceedings can undermine their financial stability. As you probably know, the legal process typically will take years to settle their lawsuit. And they may have cash needs now, which cannot wait.

Most Businesses in this situation have no other choice but to accept a low settlement for a case that could be worth hundreds of thousands & millions. A non-recourse lawsuit loan is a great timely help to them.

A cash advance or a loan of $100,000 to $10,000,000 relieves cash flow problems and allows the firms to focus on business at hand. Commercial lawsuit loan allows these firms or businesses to leverage the expected settlement from their case to obtain the capital they need now.

Lawsuit Pre-Settlement Programs provide them with immediate cash to give them and their attorney time to negotiate a larger cash settlement!

Commercial cash advance is based on the Commercial Lawsuit and how the plaintiff spends it is unrestricted. They can use the funds to:

1. Pay down debt

2. Maintain or Invest in their business expansion,

3. Use the money for fixed and variable costs such as payroll and operating expenses. Funds can also be used to invest in the expansion of their business, which maintains the confidence of creditors, investors, and employees.

4. Keep their Personal finance and obligations in balance

In short, they dont have to sacrifice their livelihood due to the financial burden that commercial litigation can place on them or their business.

The advantages of using Commercial Litigation Funding for business commercial lawsuit are multifold. Most important of these are:

1. The ability to maintain financial stability in cases where commercial litigation is impacting their firm's cash flow.

2 Commercial Lawsuit Loan is Non-Recourse so there is no risk involved. Plaintiff firm is liable for repayment only if they receive a settlement or they win at trial.

3. Amount available for commercial lawsuit loan is virtually limitless from $50,000 to well over $10 million on a single case.

Following are basic steps to commercial lawsuit loan funding:

1. The first step is to complete an Application Form.
Making an initial application is free and there is no obligation

2. Plaintiff authorizes attorney to release case information to underwriters

3. Thorough underwriting process to qualify client.

4. Forward for further underwriting if required.

5. If approved Plaintiff completes funding agreement

5. Fund the cash advance

6. Plaintiff payback upon successful settlement/verdict of case

7. If Plaintiff loses case, Plaintiff owes nothing to funding company

The varieties of commercial litigation cases that can qualify for funding include, but are not limited to:

A. Fraud
B. Breach of Contract
C. Real Estate Disputes
D. Conversion
E. Copyright claims
F. Environmental Litigation
G. Patent or Copyright infringement & other Intellectual Property
H. Securities Fraud & Shareholder Lawsuits

A lot of Plaintiffs are being forced to settle early for way less than they deserve because they simply can't afford to wait any longer. There is no reason for them to settle for less than their case is worth.

Paul Sherman is a Legal Funding Consultant. He offers free, professional and independent advice to Individuals, Business owners, Seniors and Attorneys. To secure a Lawsuit funding or Structured Settlement funding please visit: http://www.easylawsuitfunding.com.Ashlie Blog94645
Alecia Blog4497

Secured Car Finance burden less loan for buying dream car

When you are buying car through a loan, you must ensure that the loan is never a repayment burden on your income and overall finances so that you enjoy a burden less car driving. Secured car finance is considered as a sure shot way of taking a loan at low rate of interest and that goes a long way in saving money as well. Secured car finance can be availed for buying a new or used car of any make and model. Even bad credit borrowers are at ease in taking secured car finance.

Secured car finance is given against the borrowers home or any valued property pledge as collateral. Even the very car you are buying can be put as collateral. The lender will take the car deal paper in possession and will return after you have paid the loan back fully. Till that time you can of course enjoy driving your car.

The advantage of secured car finance is its lower interest rate. If your credit history is excellent or good the rate can be reduced. Lower interest rate reduces your monthly payment for the loan installments substantially so that you are at complete ease in repaying the loan in time. Another advantage of secured car finance is that you can borrow greater amount for buying a new car. The loan amount depends on value of property put as collateral. However you would not be approved a loan that is more than the market value of the car you are buying. Also note that secured car finance is a short term loan. You are supposed to return it in 5 to7 years as lenders would not like to take risk. The car may loose its value in longer duration.

Do not worry if you have late payments, payment defaults, arrears or county court judgments. Despite a blemish credit history a lender will approve secured car finance as you have cut lenders risks by offering your property as collateral. Make sure to compare lenders so that you avail secured car finance at competitive rate. Search internet well for a suitable lender and clear the loan installments regularly for improving credit history.

Julia Russell works as an executive in financial department for Secured Car Finance. She has a lot of experience in finance field. To find Secured car finance, bad credit car loans, secured car finance, used car finance, new car finance, personal car finance visit http://www.securedcarfinance.co.uk/Aurore Blog8490
Anette Blog31992

Forget Everything You've Been Taught About Autosurfing and STOP Flushing Your Money Down The Toilet!

I would love to slap you. Maybe you deserve it, but certainly you need it. I need to pour iced water over your head, flog you with a sausage and yell as loud as I can in your ears

"FORGET EVERY BIT OF ADVICE THE OLD INDUSTRY GURUS TOLD YOU, THE OLD ADVICE ABOUT AUTOSURFS DOES NOT WORK!"

Yes, you might be a little surprised. Yes you've probably not been flogged with a sausage before, and you'll probably be a bit confused as to why I've got an entire website dedicated to an industry I don't hold much faith in.I really believe that right now (October 10th 2006) the entire industry' exists because of one company alone and I'd like to use this opportunity to explain why you might have lost money on investment after investment this year.

I'm pretty much out on a limb here. Nobody else seems to share my pessimism, but then look around where are the autosurf commentators and advisors of last year? Have you received any email updates from these people telling you how much money they've lost and how they are trying to recover it? Are they still providing advice and strategies? They aren't because when the autosurf industry is strong, its actually hard to lose money. Whether you tell people to diversify, or to invest only in one company, the advice will appear to work. It's only when the industry is not going strong that people follow the old advice which once seemed to work, and effectively flush their money down the toilet.

I'm dedicating this article to the people who are scratching their head this year. The people who've consistently lost money in nearly every surf site of 2006 and wonder what is going on. We can't blame Stormpay any longer, we can't blame e-gold or SEC regulations so I'm going to tell you exactly why the odds are so hugely stacked against you this year.

1) Due Diligence DOES NOT work.

Due Diligence was the pompous buzzword of 2005. Every forum post required it to be used to assert your status as an autosurf elite. It means "do proper research about a company" before you invest.

Due Diligence makes some very dangerous assumptions

- It assumes that if you know the name and contact details of a webmaster they will never run away.

- It assumes that the webmaster is competent.

- It assumes that it is hard to falsify DD documents.

2) People are Wrongly Petrified of the Word Ponzi' Because they Associate it with 12DailyPro's Collapse.

Before 12DailyPro was around last year, people were not really concerned about how an autosurf made money. Suddenly this Ponzi word began infecting everything to do with autosurfing. People began to associate 12DailyPro with Ponzis with losing all their money. The case is MUCH more complex than that. If it were that simple then other autosurfs would have been hauled in front of the SEC too and this has not happened.

People are convincing themselves that autosurfs are trading in forex, investing in offline opportunites are living a dangerous lie. I'll leave it again until another time to explain exactly how an autosurf makes money but for now don't let autosurfs blindside you with this kind of rubbish. A company declaring links with forex traders is much more likely to be a scam than one which keeps its operations more private.

3) People Confuse Reputation With Competence.

People seem to be connecting experience in a forum with an ability to run an autosurf.

Haven't you noticed that all these new autosurfs and HYIPs are being run by people with no experience at all in running sites. Why do you believe they will learn the ropes and excel?

4) Diversification Doesn't Work if There are no Good Companies Around

There have been times this year where there has not been even one autosurf worth investing in. Often it is worth getting out of the market for a few months until something credible appears again. If we'd have all done that since January, imagine how much we might have saved.

5) People Believe That Low % Autosurf Sites Are More Stable Than High Percentage Sites

I remember last year hearing a respected autosurf commentator explaining that sites offering 1% interest per day for a year should be considered as bankers'. He was explaining that they are much more stable that high % short-term sites. How many 1% for 1 year sites do you see now? How many of them are being advertised or are attracting attention? There's about three I can think of and not one would get noticed in a forum.

6) People Still Have Blind Faith in AutoSurf Owners

I'd argue that during 2005 nearly every autosurf owner began their website with the best intentions in mind. They genuinely thought that they'd be able to pay members and keep the site running. I argue that this year the story is different. People have come to realize that when a site closes it is the owner who comes out smiling at the members expense. I believe that some companies (perhaps CompactSurf) set off with a financial target in mind. When they got a certain dollar value in their e-gold account they decided to close. It really is impossible to read the mind of the autosurf webmasters and there is nothing at all you can do about it.

7) People are Still Following Tipsters Like Sheep

Nothing makes me more angry at how irresponsible HYIP and Autosurf commentators have become. Read most of the autosurf blog sites, or read some of the emails that you get from those people and you'll recognize that there is ALWAYS one company being marketed. As I said, there can be (and there have been) times where not one HYIP or autosurf is credible. Most of the bloggers take the least-bad company and market that. As soon as it has problems they switch their downline into another company, collecting their commissions on the way.

The most common question I'm asked is "Which autosurfs should I invest in?" My standard reply is invest in the industry leader and nothing else. I'll define this industry leader later, but I'm keen to keep this article academic and don't wish to go off-track. Most people are disappointed by my reply.

They were expecting me to whisper a company name in their ear and magically unleash the next way they can make millions. I could pander to demands and reel off the company that pays me the highest referral commission but I very much want my reputation to last longer than a typical autosurf's lifespan.

To Conclude

* I hope by now you can appreciate just why you've been losing money this year and can see that autosurfing now is very different to how it used to be.

* I do not recommend many companies, simply because it is extremely difficult to predict their motives and their future.

* A wise investor will not search for opportunities which really do not exist.

* I have not yet completed an article about what new strategy you should adopt .. but it is in my to-do list. If you understand the gravity of my arguments here then this update is essential reading.

Copyright (c) 2006 Martin PavionAigneis Blog89466
Adriana Blog46079

Way to Earn Extra Money Without Getting a Second Job

Many times, people want to earn a little extra money, but dont want to have to get a second job. The truth is, there are quite a few ways to earn extra money, and many of them dont even require you to leave the house! Here are a few ways you can easily earn some extra money each month, with just a little time and effort:

Use eBay: If you go through your house, you can look for things you don't use or want anymore, and sell it on eBay. Also, if you do any crafts, or make something others might like, you can sell that as well. You dont even have to leave your house except to ship the item, and it can be done any time of day or night.

Have a yard sale: Usually these are held on weekends, but you can get rid of anything you dont want or need anymore, and make some quick money.

Answer Surveys: There are many companies out there that are willing to pay you in cash or prizes to fill out surveys on the web. They can be filled out at your convenience, and you can end up getting a decent amount of money for it. While some only pay a little bit, other surveys are willing to pay a lot more!

Mystery Shop: There are also many companies out there that will let you do mystery shopping. Here you will go to a store or restaurant and pose as a regular customer, but you will take a look around and watch how the store is run, and how the employees are. You will not only sometimes get a meal or product for free, but you will also end up getting paid as well. Its not a way to make a huge amount of money, but its great to end up with a little extra cash, or a free meal every now and then.

As you can see, there are many ways to earn extra money without getting a second job. The best part is that most of these can be done on your own schedule, without having to set certain hours. While they will not bring in as much as your first income, they will definitely help pay the bills, or give you some extra money for whatever you need it for.

Jessica Mele has been researching ways to help people save money without changing their lifestyles. Check out http://www.dreamlinesavings.com for more ways to save money easily, and to find great deals without doing any of the work. You can also find Survey and Mystery Shopping companies on the site as well.Adelind Blog58430
Alexandra Blog73509

Money Saving Wedding Tips

One Idea to save money is to not have your wedding on the weekend. Many vendors will offer substantially lower costs because weekdays they are usually free and not booked.

When buying a wedding gown check your local newspaper for slightly used dresses. Shop in bridal outlets they usually will offer substantially lower costs than your local bridal store. Shop consignment stores you can usually find great deals and slightly used dresses. Don't buy a designer dress if you don't have to. Designer dresses will definitely cost you more money and usually you can find similar dresses at a much lower cost than you would a designer dress.

When purchasing your cake try to keep it all the same flavor and keep it simple. Use your own decorations for the cake like fresh cut flowers or pearls. Doing this is minimizing the hand made designs that the baker does which will lower your cost of the cake.

Deciding on video and pictures have a friend with a nice camera usually 4 pixels and up take your pictures. Take your pictures to your local photo lab and edit them yourself or use your computer and add your own effects. This will save you a ton of money. Your video you can do the same. Have a friend with a nice camera and a tripod the tripod is important because you want steady video and have them shoot your wedding.

Have your wedding at home or at a friends house. When you have a wedding at home you do not pay any fees that are associated with renting a hall or ball room. Also you can bring whatever food you would like and you don't have to pay for a bartender if you do not want too.

When deciding on entertainment have a friend with access to the internet download your favorite songs and burn them to a disc and play them at your reception. This will be a huge savings.

When deciding on your wedding accessories such as your flower girl basket you can usually go to a local craft store and purchase a plain basket and decorate it yourself. You can pick up some material while your there and some pillow stuffing and a little needle and thread and make your own ring pillow.

When trying to match all of your colors together go to your local paint store and get a paint card of the colors you are using and take this everywhere you go. This will help you with matching flowers and all of your decorations you are using in your wedding.

If you are having an outdoor wedding have it in the fall. The fall time is the most beautiful weather and most likely not as hot as it would be in the summer time. Also prepare yourself for rain. Have a plan to get the cake and other decorations that are sensitive to rain put up and out of the way.

Do not be afraid to ask for help. Ask groomsmen and bridesmaids to help decorate before the wedding and assign each one of them a couple of simple tasks each. This will save you on decorating and clean up before and after the wedding.

Most of all remember it's your wedding and just enjoy yourself and have a great time.

Yolanda Nash is the owner of http://www.yolandasweddingfavors.com and wedding planner. She enjoys seeing all the different table decorations, flowers and wedding party favors on the wedding day.Arlen Blog54850
Adrianne Blog2892

A New Way Of Getting Lots Of Visitors To Your Website

Most people look at search engines to find what they want on the Internet. To have your own website spotted, it needs to be on the first page of a search result. If your website is fairly new or unknown, getting it listed on the first page can be a great challenge.

Apart from having your website listed on the search engine, there are many other ways of getting lots of visitors to your website. Some people use traffic exchanges. The good thing is you will definitely get a least one visitor. The bad thing is you need to spend a lot of time surfing the other members site one after another under the constraint of a timer without any chances of choosing which one to view first in order to get back at least a visit. If you wish to spend less time on surfing, you have to pay a certain among of money to buy credits that can be used to get more visitors. For this reason, I have recently created a unique way that can help you greatly increase the number of visitors to your website. You can know more about it at www.nicepods.com. With this method, members can view one another's websites via the Webbypod and the directory. Members can submit their sites under specific categories that allows easier search. A member can also know who has visited his or her website so that he or she can return the visit. This means when member A visits member B's website, member A can expect a visit from member B in return. Each member must visit at least one of the other member's website to keep his or her membership. On the first of each month, a member who views the most websites, and have visited at least 1000 of them, will become a Gold member who then can have his or her website listed on the Gold list to attract even more visitors.

The viewing of the websites listed on Nicepods by members is not restricted to members. Members of the public can also view the websites with the Webbypod and via the directory. Every member of Nicepods is given access an attractive graphically based Members Pod to manage his or her website submissions, and to perform activities to get more visitors. You can read more about it at http://www.nicepods.com/mpodnews.php.

Off course, there are many other "get more visitors" sites out there. The choice is yours.

Rainier Wong is the webmaster of http://nicepods.com.Ardra Blog75685
Adriana Blog71724

Save Boat Loads Of Cash Buying Used Books

Some of us have been buying used books before the idea caught on with people. Prior to this, buying used books was considered to the option for indigent people.

Buying used books was only common among college students and book lovers, who realized that visiting used book shops not only provide the opportunity to save money, but will also results in a pleasant buying used books experience.

Over the years, buying used books has become more difficult and to be candid more frustrating, because the big chain bookstores are muscling the small autonomous ones out of business. Thus, buying used books has suddenly become in one part a challenge, and in the another part an almost pleasant task...as used books as well as new ones can now be purchased online.

This is good news to me though, because buying used books not only saves time, money, but also saves reclusive people like me, social interaction with annoying characters out there.

My recent experience in a bookstore clearly drives this point home. Many stores are now frequented by people who just laze around and just peek through books and magazines they probably will not buy, but will only stain and wrinkled with their greedy paws. These stores are now places where people hang out and impede genuine shoppers with integrity from gaining access.

This has made physical store very repulsive to me, as I now buy my used books online. The advantage inherent in this is twofold. Online bookstores offer the same service like physical stores, and they also stock very rare titles of used books. And to aid you in getting the best service about buying used books online, below are some list some premium websites:

Powells.com is one of the largest bookstores around. The actual office in Oregon is a city block long and stories high. This store is very big and stocks millions of books.

When you are looking for a title, Ebay.com is a good place to look for such book. You can use the search engine at EBay or check out good online bookstores where it takes book vendors as far away as the U.K a few days to ship orders from consumers. GreenAppleBooks.com is a perfect antidote to the nightmare physical store I described above, as it is an affordable online bookstore for both new and used books.

Word-power.co.uk/about_us is another online bookstore worth checking out. It is entirely independent, and receives no state or funding from the state.

Benny Carlson - http://bookz-zone.com http://www.online-books-lover.comAmelie Blog34351
Angele Blog37115

Return Of The Monster

The Monster of the title is none other than Dollar Monster. Anyone who had dealings with Dollar Monster previously believed the beast had been slain by its owners but, it seems, it had just been banished and now is baaaaaaaaaack (as it says in its ads). Presumably the owners of Dollar Monster believe they have remained out of sight long enough for people to have forgiven or forgotten the events of 2004.

Dollar Monster pretends to be a friendly little monster who will help you to make money. It says: "DollarMonster's #1 priority is helping you make money!" In fact, its clear from the website that Dollar Monster will make the money for you and you can just sit back in your easy chair and do nothing. Dollar Monster claims to be the lazy person's way of making money; that should be a big enough hint that this program does not offer a legitimate way to make money.

Dollar Monster is a money doubler. Money Doubler programs enjoyed a brief spell of popularity back in 2004. Their popularity ended as one money doubler program after another closed owing members large sums of money and the whole money doubler industry was exposed as being a scam consisting of numerous pyramid schemes. The surprising thing is that the new Dollar Monster website refers to 2004 and to the notorious Easy Chair Club (sometimes described as the biggest Internet scam in recent history). It would seem more sensible for this site to pretend to have no connection whatsoever with the Easy Chair Club or the Dollar Monster that existed in 2004. In fact, it would seem more sensible to open up using an entirely different name because the people who joined Dollar Monster (or its sister site, My Magic Doubler) the first time round aren't going to be sucked in again and will warn people not to take part in the program.

The way money doublers work is that you pay money to the program, other people sign up after you and also pay money in. When enough has been paid in by new members, you get paid double the amount you first invested. The people whose money was used to pay you, get paid when members have paid enough cash in after them and so on

When money doubler programs are first launched, the cycle time is very short (it can be a matter of hours) but as more people join the cycle time gets longer because the number of new members required to cycle existing member positions grows exponentially. Eventually, the cycle time becomes so long the program ceases to attract new members and, when the cash injections dry up, the doubler stalls. With no new recruits bringing in cash, the members on the lowest level don't get double their money back, they lose all the money they paid in. At this point, the program and its owner normally disappear.

Money Doubler programs can survive for anything from a matter of hours up to several months. The ones that disappear within hours are normally run by outright crooks who had no intention of paying any money out to anyone. As soon as they have obtained a substantial sum of cash, they just vanish with it. If you are lucky you might avoid these particular crooks and might even make some money. One thing that is guaranteed is that if you aren't lucky enough to join at the right time, you will lose your money.

I hope the return of Dollar Monster does not signal the start of a new money doubler craze. People who were not around in 2004 might take to money doublers as a replacement for the rapidly declining autosurf for cash programs. In 2004 I fell for the story that money doublers were legitimate programs and the money they paid out came from advertising revenue. I speak from experience when I say that if you want to make money on the Internet, you have to work for it. Dollar Monster and similar money doubler programs are not an alternative to working for a living.

Visit Elaine Currie at her Work At Home Income Directory Website to start your Home Business today. http://www.HuntingVenus.comAndree Blog77874
Audre Blog80301

No Teletrack Payday Loans: Loans For People With Bad Credit

Payday loans are now the most viable options undertaken by most people who are experiencing financial emergencies. It is a short-term loan that intends to handle an urgent need for cash until their subsequent payday. This new system of lending doesnt involve a credit check which is a very good privilege for debtors with bad credit. Application for this kinds of loans are usually done online just over the internet. What makes this loaning convenient is the promptness of the depositing of money into the debtors bank account which is approximately 24 hours or sometimes even less.

To explain further Teletrack is a method that is employed to examine the applicants credit history and checking account. This system exposes to the loan agency the applicants flaw in his credit history such as outstanding checks in opposition to current loans, any imminent court judgments, files for bankruptcy and any other related problems with the credit history. These loan agencies dont have the exigency to authenticate the information imparted by the prospective borrowers since payday loans do not encompass large sum of money other than the fact that these are only short-term loans.

Payday loan agencies suggest instant cash advance for a temporary period, typically ranging from 2-3 weeks. In comparison to traditional loan companies, payday loan agencies offer higher interest rates in order to give a faster service and to cover any risk that may be encountered in the procedure.

Applying for a no teletrack payday loan

The only thing needed is to accomplish a form containing personal data, employment facts and selected bank account of the borrower. Some lenders who offer no teletrack payday loans obligate the borrower to fax some documents like: the most recent paycheck, a copy of the drivers license or a banks statement or an electricity bill. In order to be eligible for this kind of loan you must be a US citizen over 18 years of age and must be a full employee of a certain company. Some lenders obligate that you should be employed with the identical firm for the past 6 months. Others require a minimum monthly income of $ 1,000 with all the taxes already deducted. These loans also necessitate checking or savings account that has a debit service. Since the process is apparently easy and simple that checking you credit rating is uncalled-for therefore giving you a probability of almost 100% to be approved.

As soon as you application is approved you can immediately and directly get your money transferred into your checking account. In lieu of these no teletrack payday loans, you wont have to worry about rigid timings because everything is subject to your decision. Not to mention that you can take advantage of applying for it at perfectly any time you would want to.

Issues on repayment

Repayment of your loan is indicated on your application form but usually its the time when you get to accept your next paycheck. The lending companies instantly debit the fund and the fee from your account. In the event that you would need more time to repay your loan, you can always ask for an extension few days preceding the automatic debit. Early payment though is advised so as not to accumulate any added fees. This kind of loan could be a savior but also a burden if not paid on time.

Mario Churchill is a freelance author and has written over 200 articles on various subjects. For more information about a npaydayloan or payday advance checkout http://www.paydayloansinfo.orgAshli Blog65690
Audre Blog80301

Paydex Score The Secret to Business Financing

As a business one of the most important things to know is your Paydex score. Your company's paydex score is the business equivalent to your personal FICO score, or personal credit score. Knowing what this number is and having the secrets to increasing your Paydex score can mean acquiring the financing needed to start or grow your business and make the difference in achieve your business goals. On the flip side, not managing your Paydex score can cost your business.

The exact definition from Dunn & Bradstreet, or D&B is: The D&B PAYDEX Score is D&B's unique dollar-weighted numerical indicator of how a firm paid its bills over the past year, based on trade experiences reported to D&B by various vendors. The D&B PAYDEX Score ranges from 1 to 100, with higher scores indicating better payment performance.

The higher the score the better. Now, how do you increase your Paydex score or establish a score if you dont have one yet. First, know what you are doing.

1 Know what your payment pattern means

If you are under the impression you should have the highest Paydex score because you pay before the due date, you are wrong.

The highest scores are given to Companies who pay the bill PRIOR to the invoice being sent. This payment pattern is considered an anticipatory payment pattern. The company anticipates the payment is due and pays it ahead of time. This is the highest responsibility a company can display and will earn high points for your company.

2 Understand what the Paydex score means

So, your business has a paydex score of 75. What does the paydex score mean? Is this good or bad? Well, for this example a 75 Paydex score would be the equivalent of a FICO score of about 700 or above. This is a good Paydex score.

You can use this D&B key to help you interpret the PAYDEX Score.

Key to the D&B PAYDEX Score

PAYDEX SCOREPAYMENT100Anticipate Payment detail may state: payments are received prior to date of invoice (Anticipated)90Discount - Payment detail may state: payments are received within trade discount period (Discount) 80Prompt - Payment detail may state: payments are received within terms granted (Prompt) 7015 Days Beyond Terms6022 Days Beyond Terms5030 Days Beyond Terms4060 Days Beyond Terms3090 Days Beyond Terms20120 Days BeyondUNUnavailableThe payment details section may include the following comments on your payment patterns:

Antic - payments are received prior to date of invoice (Anticipated).

Disc - payments are received within trade discount period (Discount).

Ppt - payments are received within terms granted (Prompt).

Slow - payments are beyond vendor's terms. For example, "Slow 30" means payments are 30 days past due.

Ppt-Slow - some invoices are paid within terms, others are paid beyond terms.

(#) -indicates that no manner of payment was provided; the number merely reflects the line where it appears in the listing. For example, (004) means it is the fourth experience listed.

Payment Commentary - such as "Cash in Advance," "Account in Dispute," "Credit Refused," or "Placed for Collection" may also display next to trade details. "Placed for Collection" means the account was forwarded to a third party for collection action during the past year.

It may also indicate comments like, "seasonal purchasing pattern" if many transactions are recorded in a certain period of time, routinely, during a specific time of year.

You can view a sample Paydex report at www.dnb.com

3 GAIN CREDIT - THERE ARE CREDITORS THAT DO NOT REQUIRE A PERSONAL GUARANTEE or PAYDEX SCORE!

There are creditors that will grant lines of credit to businesses without a personal guarantee or a paydex score. This is a great way to establish credit for your business. Gaining a small line of credit with these types of vendors and making anticipatory payments will increase your Paydex score or establish a strong score for your business.

The website www.extremebusinessmakeover.com provides you with a program to build your Paydex score within 90-120 days and will tell you which creditors will grant you a line of credit with no Paydex score required AND no personal guarantee. This program has assisted many companies in not only increasing their Paydex score but gaining substantial lines of credit.

You should know that less than 3% of businesses that attempt to receive funding on their own ever do! If you apply at multiple places without pre-qualifying, you may damage your credit and will destroy your chances of receiving funding from the sources that would have done your deal. It would be in your best interest to consult a company like extremebusinesscreditmakeover.com prior to attempting to gain credit lines.

4 Manage Your Business Credit Responsibly

If you own your own business you are probably not 18 years old anymore and should know how important maintaining good credit is. A strong Paydex score can give you the credit lines you need to increase your marketing effort, buy the needed equipment, get the supplies required to land big clients, and could be the difference in your companies success.

With all that at stake it is of the utmost importance to manage your credit with the highest level of responsibility.

If you are not in a place to make the required payment at least by the due date, then DO NOT MAKE THE PURCHASE ON THE CREDIT LINE.

It would be careless to abuse this credit line since can be such a key to your long term success.

Armed with this information you are on your way to increasing your Paydex score and gaining the credit you need to make your business thrive!

Nicole Anderson offers information about corporate and personal unclaimed money at www.cashunclaimed.com . Would you like to receive your lost funds check from money owed to your company, your family or yourself? A simple unclaimed property search could mean a check in your mailbox. Click on www.cashunclaimed.com for a free money search, that includes all state and federal databases, and locate your missing money today!

Nicole Anderson offers information about unclaimed money at http://www.cashunclaimed.com. Cash Unclaimeds database covers all state and federal databases to ensure any money owed to you is found and offers unlimited name searches to members. Click on http://www.cashunclaimed.com for a free money search and locate your missing money today!Alayne Blog18150
Ada Blog34402

Pick Up That Hammer

I often encounter people who believe that carpenters were born carpenters and plumbers were born plumbers. Regardless of my encouragement, there are many folks who don't think they have the ability to build their own home.

I always give them all the same talk. We as human beings have the ability to learn new things and expand our horizons. If this weren't true, none of us would be able to walk, talk, drive a car, or even tie our shoes.

As a parent, I have helped my children through some of the most repetitious acts of learning. As a teacher and a mentor, I have taught people how to ride horses, program computers, speak Spanish, build houses, peak satellites, hold a newborn baby, raise a garden, the list goes on and on.

My point is that I have watched every type of person learn in different ways. I have noticed that we all have different levels of intellect. Some people are sharp as a tack and others are really quite thick. The truth that I have learned about most things in life is that a person with average intelligence has everything he or she needs to get by and even succeed with flying colors. Even those with fairly low intelligence have adequate learning abilities to do just fine.

So when people tell me that they aren't smart enough to build their own house, I just have to remind them that they are probably smart enough to do much more than just build houses. Some of the most intimidating projects in building a new house can be figured out with a little concentration. Electricity and Plumbing scare some homeowners into hiring the work done, when in truth, anybody can do those things.

I see all around me, examples of able-bodied people that choose to hire contractors to do work for them. This is just fine if the people have more money than time. If however, they have more time than money, they could really benefit from doing their own labor and saving thousands of dollars. In most cases the money saved by doing ones own labor translates into hundreds of thousands of dollars.

That's worth learning how to do something new. Anything in this world that will save us so much money and time over the long run is definitely something valuable to know.

Unfortunately, the majority of homeowners don't see it that way at all. To them it's acceptable to pay someone else to do all the work even if it means they will end up working almost a decade of their work life to make nothing but mortgage interest payments.

To me it's simple, work for three hours a day after work for one year to build my own house, or work for eight hours a day at a job for ten years to pay the interest on hired labor. If more of us could see the reality of hired labor, we would be more likely to make better choices.

I strongly believe that we are intelligent beings made in the likeness of fully intelligent beings. We have power to learn and overcome so that we can find happiness. Sometimes we all need to be reminded of that.

Larry Angell

Larry Angell is the author of Sweat Equity, building a house at half cost. He runs an instructional website about how to build homes that are strong financial tools, not financial burdens. He counsels low-income families how to obtain affordable housing and reach goals of home ownership.Audie Blog4725
Annmarie Blog33952

Consumer Facts On Free Satellite TV Deals

Free satellite TV! Get free satellite TV system free for 4-room, get free DVR, free HDTV, free incentive gifts like iPod and home theater system, free installations sounds familiar with the slogan? Dont worry; this is not another free satellite TV promotion advertisement. Instead, we will examine some facts of these satellite TV promotions here: Are these free deals really for free? Are they worth the money? Do such satellite TV deals suit my need?

Are free satellite TV deals for real?

To answer the question, you need to know what are given free in such deals. Free satellite TV means you get the satellite decoder system for free. You will get satellite dish, decoder system (up to 4 rooms), and remote control for free. The free satellite TV deals do not include a free television for you. However the satellite systems are compatible with almost any television in the market so if you have one at home, you dont need to buy extra TV with special features.

So back to the questions - without a doubt, these free deals are for real. But it comes with conditions. You will get the satellite TV system for free, if you are their first time customer and you must be willing commit to a service contract up to 18 months. If you read those free satellite TV ads carefully, you should notice that such free deals are only for first time customer (for Dish Network or DirecTV).

Are the free deals worth the money?

The answer is yes and no.

The Yes:

Free satellite TV deals are lucrative not because they give out free satellite TV system for free. It is good because with a very low monthly subscription fees, you can get hundreds of 100% digital satellite pictures. By paying just little amount of money, you will get premium movie channels like HBO, Starz, ShowTime; you will get your favorite sport actions such as NFL, NHL, or NBA; you will also get lots of news channels like CNN, CNN2, Bloomberg, BBC. As you can see the wide programming selection is why satellite TV deals look attractive. Dish Network or DirecTV, you can now enjoy top class TV entertainment service with satellite TV without paying anything up front (satellite TV system are given for free, remember?). It certainly gives something that cable does not have.

The No:

Nevertheless, the free satellite TV deals do not worth the money if you dont spend time long enough in front of the TV. If you hardly spend an hour in TV within the whole week, that is the point of having 255 TV channels? All you need is some crap TV talk shows to tease you before you get to bed and sleep, why get satellite TV?

Often consumers order satellite TV deals blindly just because the free ads flyers are too attractive. Do not buy and then regret. The conclusion, do not spend money on free satellite TV deals just because their deals are too good to resist. The free deals are worth the money if you watch TV a lot; if you dont, locals should be good enough.

Consumer facts (in case you are still wondering is the free deals worth the money or not)

Due to the demise of Pegasus and Voom services, there are only two major satellite TV providers in the USA -- Dish Network and DirecTV. Both companies are providing 100% digital satellite pictures; both companies are offering amazing free satellite TV systems; and both companies have the finest sales support team for their customer services.

Since Dish Network and DirecTV were officially launched in 90s, millions had switched from cable TV to Dish Network. J.D. Power and Associates has ranked Dish Network and DirecTV as the top TV broadcasting companies. Both DirecTV and Dish Network are higher in customer satisfaction than any of the cable TV companies for the last five years.

Ordering Dish Network Satellite TV

Dish Network require $49.99 activation fee. The fee will be credited to your programming bill however, so in essence, your satellite TV system is free. With Dish Network you have the option to upgrade to a DVR (digital video recording) receiver, or an HDTV (high definition TV) receiver at no charge. Dish Network services at a monthly cost of $19.99. However, Dish Network standard programming fees start at $31.99 per month (for standard 60 program channels). The monthly subscription fees then goes up to around $86.00 for 230 channels including Showtime, Starz!, HBO, Cinemax, and Sirius radio.

DirecTV Satellite TV Service

Depending on your credit rating, when you order a free satellite TV system from DirecTV you may be required to pay a deposit or prepayment. Because the deposit is refunded to you and the prepayment goes toward your programming fees, the DirecTV satellite dish and receivers are free. Installation is also free. If you want a DVR receiver you will be charged an additional $49.99. The charge for HDTV receivers is $299.99. DirecTV programming packages start at $29.99 per month for 115 channels (including 31 music channels), and go up to more than $90 per month for 185 program channels, including Showtime, Starz!, HBO, Cinemax, and 31 music channels.

Closing things up: Is free satellite TV deal the right thing for you?

The answer is actually lies inside of you. If TV is one of your primary forms of entertainment and you want the biggest variety of shows, movies, sports, and news -- then we satellite TV deals should be something you should seriously consider. Cable TVs nowadays doesn't looks like a good deal to go for as their monthly fees increase a lot every year.For football fans that wish to get every NFL games- DirecTV is what you are looking for; for normal family, Dish Network seems to be a better choice.

However, if you watch just a few television programs a week and have access to over-the-air TV, then satellite TV probably isn't for you.

Teddy LC., expert writter on consumer products reviews. Check out his latest satellite TV related website and get more info on http://www.satellitetvissue.com Dish Network deals.Auria Blog5766
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Make Money Online - Helpful Advice On How To Start

Many people are looking at the internet as a way of earning an additional part-time or even full-time income. It can be a good idea but with millions of available options, and websites proclaiming to have the answers to questions you have not even thought of, where do you start ? This article will offer you advice that will at least get you started in the right direction.

You are probably reading this article for only a couple of reasons:

1. You do not currently make enough money and need to make more money on a part-time basis without compromising your full-time job. You do not have a lot of time available to make more money.

2. You are not happy in your job or do not like working for a boss. You are looking for an alternative way of earning money, preferably full-time but with something that you can start on a part-time basis. 3. You are already trying to make more money and have tried many different business opportunities but with no or very little success. You realize you need help.

If you can associate with one or more of the above-mentioned reasons for reading this article then please continue reading.

There are millions of people all over the world that do not like what they are doing for a living. Maybe it is the job itself, a rude boss, or not earning enough money to have a decent standard of living. Whatever the reason(s), most people find it very difficult to make a new start.

We are all creatures of habit that dislike change and value safety and security. Starting a business often takes us outside our comfort-zone. We need to build our confidence, not only in ourselves but also in any new opportunity that we are considering.

This can be achieved by:

- Learning as much as possible about any new opportunity.

- Having the possibility of doing it on a part-time basis as a trial to see whether it is any good.

- Spending as little money as possible on any new business opportunity. You don't want to add more stress to your life by spending lots of money (that you can't afford to spend) on things that may not work at all.

Many people consider the Internet as the ideal way of making more money. I agree with them. Problem is that most people actually lose more money on the Internet than make money. There are millions and millions of ecommerce websites on the Internet and it is estimated that at least 95% of these websites are losing money every month!

Why do I like to do business on the Internet?

a. It allows me to have an international business, potentially reaching many millions of people all over the world.

b. Like most people I do not enjoy face-to-face selling. With the Internet there is no need for face-to-face selling. No fear of being rejected by customers or insulted by people having a bad-hair-day.

c. I can make money 24 hours a day. Even while sleeping someone can be buying a product or service on my website.

d. I can run my business from anywhere in the world, as long as I have a computer and access to the Internet.

e. Once my business is setup it basically runs on autopilot. That does not mean I do not need to work on it. It means I do not have to spend eight hours every day working on it. One or two hours should be sufficient.

f. It allows me to have my own business with unlimited earning potential. Whatever I put in I can get out. The sky is the limit and I am not working to make my boss or company rich.

Fact of the matter is that it is becoming more and more difficult to ignore the massive ecommerce potential of the Internet. Whether you are selling products or services online or have any other type of business, you need the Internet to promote your business as more and more consumers are doing online searches to find what they are looking for. Does not matter if you are a plumber or an electrician, you will need the Internet more and more in the future to promote your business.

O.K. We have established that the Internet offers us a huge potential to make more money, part-time or full-time. We have also established that most people are not actually making any money from the Internet.

Where do we start?

We start by learning as much as possible at our own pace without forcing anything. Remember that knowledge is power!

I recommend that before you do anything on the Internet that you join a suitable company as an affiliate or join a network marketing company. The point is not whether you want to pursue a

long-term career as an affiliate. The important point is that you can join most affiliate programs for free and receive very valuable information and training for free. In addition, you can actually make a lot of money while learning! This, in my opinion, is the best, safest and easiest way to start.

Many companies that offer affiliate programs do their best to offer their affiliates as much training and support as possible. Why? It is in their best interest. The better advice, training and support they give you the more money you will make for them.

Remember that as an affiliate you do not need to buy or sell anything. You only need to get people to promote the company you are an affiliate of. All sales resulting in your referral will earn you a very nice commission, normally anything between 20% and 50% of the sales price. That is not bad at all! Many companies will even give you a free affiliate website that you can promote.

What is the catch?

The catch is that it is not always easy to promote a certain product or service. People do not automatically visit your affiliate website. This is where the training comes in. If you can succeed as an affiliate for a company you can succeed with your own Internet business in the future. There will be no need to pay expensive school fees.

To your success !

Francois du Toit is the owner of http://www.money-maker-advice.com, a website designed to help new entrepreneurs succeed by evaluating various online and offline business opportunities, affiliate programs and network marketing options. The website also offers free articles and tools that will assist webmasters in building profitable websites.Abigail Blog62458
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Controlling and Getting Rid of Student Debt

Most of the students nowadays fear debt (Education Guardian, 2006). However, debt is not necessarily a bad thing, if you can control it. Learning how to control it early on pays dividends for the rest of your life, as the likelihood is, you will owe some money to someone until retirement, be it a mortgage, loans or even leveraging a business. Simple corporate finance rule of thumb states that individuals and businesses can benefit from a correct ratio of debt in their portfolio (Brealey et al., 2003, p. 532).

The first rule of controlling your debt is not to spend too much. Students have a lot of different discounts available to them, so you need to get a student card as soon as you join the academic institution to be eligible for the discounts. In turn this means that your purchasing power increases as you buy the same basket of goods for less. For example, your Debt Reduction Team offers a wide range of discounts that are available not only to you but also to your friends and family (SDRT, 2002).

Your two biggest expenditures (except for alcohol) are likely to be accommodation costs and books. It is advisable to stay in university halls as long as it is possible. Sometimes applying early on and negotiating will allow you to secure a place in the second and third academic years. In Britain books are extremely expensive, so do not rush to buy everything on the reading list. The best way to save on books is to use the library and it is always worth signing up to libraries outside of your university which will give you access to books when they are not available in your own library. Also, if you are living in halls, students in the year above you are likely to have the books that you require. If you do want to buy books, check university book sales or the internet for second-hand bargains. However, if you do have to buy a brand new book, be very careful with it and do not break the back or loose the receipt, as this will allow you to refund it (usually within 10 days) if you decide that the book is not for you.

Other ways that you can save money are:

Shop for food with friends buying in bulk can save money and means that you can take advantage of the 'buy one get one free' offers (NatWest, 2006)

Use your NUS or ISIC card and also look in your Student's Union for a number of one-off offers that are available (NatWest, 2006)

Before buying goods ask fellow students if they know where to get them cheaper

Considering that you have minimised your spending, the methods of efficient borrowing will be discussed below.

New students usually borrow from the Student Loan Company (SLC) to fund their fees. This company will allow you to borrow up to 3,000 per year and the debt will need to be paid back once your income is 15,000 or more per annum (City University, 2006). The SLCs interest on the loan only increases in line with inflation (retail price index), therefore you will only pay what you have borrowed, plus inflation. The repayments will be linked to your income at 9% (DFES, 2006, p. 8). SLC loans are primarily used to pay tuition fees, but of course, you will also need some spending money. The majority of students will open a credit-card account. However, what you need to be aware of is that a credit cards interest is a lot higher then those charged for a loan. Therefore, there are other sources of finance that you can try first, such as Student Accounts that are provided by most of the high-street banks. Student accounts will allow you to borrow at 0% interest (up to a certain amount) during your university years and 1-3 years afterwards. Most of the high-street banks compete to get students as their customers, so make sure you check all of the available offers before settling for an account.

However, if alternative resources have run out then opening a credit card might be the only option left. In this case you should be looking for a credit card with 0% on purchases. Most of the credit cards will have a shorter time-frame on 0% purchases than on balance transfers, so you need to find a credit card that will give the maximum time on free purchases. Zero per cent on purchases means that the cardholder pays no interest on anything that they purchase with the credit card for a certain period of time and after that timeframe expires, a standard rate of interest is incurred on the balance (RBS, 2006). The best deals on credit cards can be found on the internet. There are two things that you can do once you reach the end of the 0% period:

a) transfer the debt to a new credit card provider; or
b) pay off the debt.

Otherwise the debt will start rising out of control. In the first scenario there are a few things to watch out for. First of all, when you transfer the balance the amount of 0% purchases will go down. For example, if a new credit card offers a 2,500 limit and 2,000 is transferred from the original credit card, then only 500 is left for purchases. Secondly, there will be a fee for transferral, which ranges from 2% to 6%, which needs to be taken into consideration when choosing the best deal. Thirdly, if the credit card offers a 2,500 limit and 2,500 is transferred, there will be no money left to spend, which will force you to open another credit card. Furthermore, most of the credit cards will have a certain cash withdrawal limit, which is much lower then the credit limit offered. You should be aware of that limit, and bear in mind that you will incur credit card charges every time money is withdrawn. So, the best thing to do is to have a plan of how to pay some of the spending off whilst 0% on transfers and purchases is still available.

There are a lot of different ways of earning money whilst at university, which will not interfere with the lecture attendance. Most universities and some agencies will allow a student to work around their timetable, furthermore there are a large number of companies on the internet that will allow you to work from home at your own pace. For example, a student once told me that the best way to earn money while at university is to look outside of university jobs. In her case, she did bar work at the club during semester time and temped full-time for an agency during summers doing administration work. On completion of university not only did she have a positive account balance, but also had good working experience to display on her CV.

Considering that you have some money coming in and 0% on purchases is available to you, you can put this income into a savings account (cash ISAs is one of the best ways of saving, while still allowing you to withdraw at any time). Therefore, your income is earning you money, but the credit card is not charging interest. Once the credit card has to be paid off, the required amount is withdrawn from the savings account and the credit-card bill is nullified.

However, what can you do when there is no income coming in? Unfortunately, you will need to rely on debt. As has been explained previously, you will need to make sure that you transfer credit balances before interest payments are incurred. However, there will come a time when you will run out of money available to you and this will require you to have some income coming in. As stated before, there are a lot of different ways of earning income whilst at university. Furthermore, bear in mind that most future employers will look favourably on previous job experience, even if it is not related to the job that you are applying for.

Getting rid of debt on completion of university is also not as difficult as its made out to be, if you can apply the correct discipline. The first thing that needs to be done is to understand exactly how much money is owed (this can include credit cards, loans and store cards). Secondly, debts need to be put in order of priority. For example, if the credit cards are incurring 14% interest, whilst 4% is charged on your loan, then paying off the credit cards should take priority. If you do not have the income to pay off all of the credit cards straight away there are a number of things that can be done:

a) transferring the balance to a 0% credit card;
b) speaking to your bank and asking them for terms to consolidate your credit cards (more then one quote should be obtained)
c) calling other debt consolidation companies and seeing what they can offer (Clear Start, 2006).

Similar stages can be applied to other debts, in order of priority. If steady income is available (which is higher than the amount spent per month) then debt is not necessarily a bad thing. If spending is controlled, then you can pay off outstanding debt, and benefit from alternative debt available. For example, if you spend against your credit card at 0% per year, then your outgoings can be put against the credit card, but income can be put into a savings account allowing those savings to be used to pay the card off at the end of the free period, so retaining the interest.

Some students think that they can default on a student loan. Defaulting on a student loan is very difficult. The loan will be automatically written off by the government after 25 years, if not paid (DFES, 2006).

Although the above work outlines different ways of maintaining and controlling debts, it should be noted that bad debts and an inability to pay may be registered with credit reference agencies, which in turn will decrease your ability to obtain a mortgage in the future (Dwelley, 2006). Therefore, it is important to control your finances at all stages: during university and afterwards.

This article was written by Verena Veneeva professional writer working for http://www.coursework4you.co.uk

You are free to reprint this article; however should you do so you must place a hyperlink to Papers4you

References

Brealey R, Myers S. 2003 Principles of corporate finance International Edition, published by McGraw-Hill Higher Education, p. 532

City University, 2006, Student Loans new students 2006/2007 Available from: http://www.city.ac.uk/studentfunds/undergraduate/new/loans.html (Accessed on 31/10/06)

Clear Start 2006 Unable to keep up monthly payments on credit cards and loans Available from: http://www.clearstart.org/credit-card-debts-uk.php?gclid=CPmQwpvJo4gCFRnpXgoduHknSQ (Accessed on 31/10/06)

DFES, 2006 Student loans and the question of debt Available from: http://www.dfes.gov.uk/hegateway/uploads/Debt%20-%20FINAL.pdf (Accessed on 31/10/06)

Dwelley S. 2006 Student debt and how to deal with it Available from:
http://graduate.monster.co.uk/8663_en-GB_p1.asp (Accessed on 31/10/06)

Education Guardian. 2006 Market logic turns a degree into a share certificate Available from: http://education.guardian.co.uk/students/tuitionfees/story/0,,1840824,00.html (Accessed on 31/10/06)

NatWest 2006 Avoiding the student debt trap Available from: http://www.he.courses-careers.com/debt.htm (Accessed on 31/10/06)

RBS, 2006 Credit Cards Personal Finances Available from: http://www.rbs.co.uk/Personal_Finances/Credit_Cards/Card_Features_and_Benefits/default.htm (Accessed on 31/10/06)

SDRT 2006 Student Debt Reduction Team Available from: http://www.wessexscene.co.uk/article.php?sid=273 (Accessed on 31/10/06)

This article was written by Verena Veneeva professional writer working for http://www.coursework4you.co.uk Ashli Blog65690
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