Although the economy has slowly recovered since 2010, there is still a long way to go before the unemployment rate is back to where it was prior to the 2007 recession. Prior to the recession, the national unemployment rate was about 5%. By late 2009, the unemployment rate had risen as high as 10%. In […]
If you are like a great majority of Americans, you are most likely strapped for cash. Hurting for money can mean you cannot go out to eat as often as you would like, but it could also mean that you cannot pay your rent or your utilities. Luckily there is a quick and convenient way […]
Checking accounts are rarely used for checks any more, but they still remain an important part of the bill paying and every day spending habits of many people. From the card swipes that we use to make daily payments at the grocery store, gas station, and favorite restaurants to the online payments that allow us to take care of housing, insurance, and utility bills, today’s checking account has evolved into a different kind of system than the hand written checks of the past.
In this transition, however, many people have lost the habit of tracking their daily spending. Without the use of a check ledger to record every payment that is made, in fact, there are likely many people who get to the end of the day without knowing exactly how much money they have spent. This is especially unfortunate in a time when so many Americans find themselves burdened with high interest credit card debt and other long term financial responsibilities. Perhaps it is for this reason that many parents are a (more…)
The tradition of watching It’s a Wonderful Life did not seem quite so wonderful tonight. Although your husband has always enjoyed watching good old George Bailey muddle his way through a financial mess, this did not seem like ht year to watch someone consider suicide. In a year when your husband has confided that he is certain he will be fired, you do not know that you can find the courage to watch this show about nearing the end of a financial rope. In spite of the fact that your husband has brought up the idea of taking out a home equity line of credit (HELOC), you still are not sure that you are going to be able to make it through these first four months of the year. With car insurance due, health insurance threatened, and college tuition payments piling up, this time the financial mountain seems nearly impossible to climb.
From overdrawn checking accounts to the decision to apply for a loan or HELOC, there are many financial decisions that can require years to recover fr (more…)
Every debtor wants to work with a good collection agency. Therefore, it is important to know how to spot qualities that are exhibited by only high-end collection agencies. In 2017, there were 8,513 debt collection agencies in the U.S. This shows that many debtors are relying on these agencies to collect their debts.
This is because the agencies have employed qualified debt collectors who will effectively collect the debts for you, including court collections. This guide gives you all the qualities that you, as a debtor, should look for when choosing a debt collection agency.
It is vital to hire a collection agency that is good at listening to clients. It is crucial to talk to a client to know the reason why they have delayed making the payment. Listening in debt collection helps clients feel comfortable to communicate with the agents instead of not picking up calls.
Many clients usually avoid picking calls from debt collectors becau (more…)
As a business continues to grow, your sales volume, too, will go higher. This will imply that you will have a lot of cash in profit, and keeping this lying around in your office may ultimately become dangerous. It may put a target on your business, forcing you to spend more than you ought to hire security guards.
The bigger your business becomes, the more complex and intricate its finances become. It would be incredibly challenging to keep tabs on all your money and still make sure it is safe. This is why business accounts are a good idea.
The following are reasons why businesses need to open business accounts at their local banks.
1. It Helps You Keep Track of Your Business Financial Records
As your business grows, you will find yourself much more money than you were when you started. This will make it difficult for you to continue using your personal account to facilitate these transactions. You will know you need a business account when your bus (more…)
Late invoices make everything in your business grind to a screeching halt. It doesn’t matter how much you prepare: you simply can’t pay for bills with money you don’t have.
There’s always the option of taking out a loan, but you have enough to worry about already, right? This is where accounts receivable financing rates come into play. Designed as a way to get you your money on time, factoring services are becoming the new norm. Even better, learning how to choose a factoring service is incredibly simple. It all boils down to what you need to do to make your small business succeed.
Have you encountered one late payment too many? It’s time to put your foot down and look for solutions. Read below on the function of accounts receivable financing rates and how they can help.
Let’s define the average American work environment first. Small businesses are outlined as any business with fewer than 500 employees, accounting for 99% of all busin (more…)
If the average cost of a new mid-sized car (around $26,000 with a payment of about $420 a month) is not in your budget, consider used cars for sale Portage WI neighbors have shopped for. There is no doubt that the savings on used trucks for sale is tremendous.
Much to contrary belief you can get used car loans Portage WI consumers are very happy with. Buying used is one of the ways you can get into a vehicle you are happy with at a price point you can afford.
What You Need to Know About Used Car Loans
Many people are not aware that you can finance used cars for sale with used car loans. Used cars for sale Portage WI neighbors have financed helps to make the cars and trucks more affordable. There are a couple of things you do need to know about financing used cars and trucks.
The interest rate can be higher with used car loans Portage WI finance companies and banks offer, but not much higher than buying new. The reason that rates are a bit higher is that the equity in the vehicle is typically lower because it is an older vehicle. But, that does not mean that the payments are not affordable.
Other things you need to know include:
- The loan term may be shorter
- There may be caveats to the loan
- You may have to put some money down
Two things will affect the term of your loan. The year of the car and your credit. For example, if you purchase a used car or truck that is less than 5 years old, your term may be longer than if you choose a car or truck that is over 5 years old.
Used cars for sale Portage WI residents have purchased using dealer financing may have helped them to get the terms they desire. Shop around for financing.
If you decide to bring your own financing from your bank instead of using the dealer’s resources you may have to meet some caveats that are set by your bank. For example, your bank may agree to give you a loan but may require that the vehicle you pick has a mileage limit, year limit, and of course a price limit. The dealership may be able to deliver better financing terms.
You May Have to Put Money Down
Banks and auto finance companies like to see that you are invested in your purchase and may require that you put some money down. Used trucks for sale Portage WI neighbors have purchased typically require a small down payment.
Choose the right dealership and get more financing options for used vehicles.
Feelings of discontent are signals that you are getting ready to change. You may need direction and support, but dissatisfaction can actually spur you toward a better version of yourself.
If you are sensing that you would rather improve than stay the same, it might be time to get together with a trainer, a life coach, or other type of mentor. Often, talking through plans brings clarity. Once you see the way and are given some direction, taking action is much easier.
Instead of pulling inward and feeding the unhappiness, it is a much wiser decision to reach out for help. Working together with the right kind of guide will all the difference.
Financial Stress Is the Worst Kind of Stress
Whether you are struggling to pay medical bills, dealing with a divorce, or simply trying to find a way to get back on your financial feet again, there are many time when lack of finances can be crippling. It is at these times when many individuals or couples have to consider all of (more…)
It is easy to say that most businesses rely heavily on loans early in their existence, since such a company will typically not have enough money on its own to keep running for long. Thus, the owner of a new business can and should look for ways to secure loans and attract investors, so that they have the cash to keep their business running and give it a chance to grow. All sorts of companies seek loans, such as restaurants, construction firms, and trucking companies. But some such companies may have iffy business credit, and the owner might have poor personal credit. So, can you get financing for your commercial truck with bad credit? This is possible, and financing fir first time owners and operators is a real option. But semi truck financing and owner operator truck financing is rarely done through big banks. To get financing for your commercial truck with bad credit, you may want to stee (more…)
Any new business will cost some money to launch and keep in operation, and many entrepreneurs simply will not have this money in their pocket. Hence, they will make use of investors and specialized lenders alike to get the money, and paying off those loans can help them build up business credit. Not all small business owners realize it, but an enterprise will have its own business credit score, and a better business credit score means better odds of securing loans later on. Unfortunately, many of today’s small business owners, over 60% of them, admit that they aren’t sure if they have all the financial literacy that they need. But the good news is that any aspect of business can be learned online and through books, and a young business owner can get a head start if they are literate about all this. Plenty of literature and audio books can help, and that includes handling the funding of an enterprise. This may range from getting law office funding to medical practice loans to (more…)
There are a number of loans that one can obtain depending on what one needs the money for. There are student loans, business loans, construction loans, and a wide variety of private loans that can be obtained from private money lenders. Hard money loans fall into this latter category. The term “hard money” was coined in the 1950s and these loans are based on property assets, not credit. There are a number of perks that come with hard money loans and this article will take a look at a few of them.
- You Don’t Need to Get the Money from a Bank: One perk of hard money loans is that you don’t need to go to a bank to acquire the money. These are the types of loans that are ideal for those who need to borrow money for a short period of time but can’t otherwise get the money from a bank. Instead, the loans can be acquired from private acquaintances or professional hard money lenders, wh (more…)
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Checking accounts are rarely used for checks any more, but they still remain an important part of the bill paying and every day spending habits of many people. From the card swipes that we use to make daily payments at the grocery store, gas station, and favorite restaurants to the online payments that allow us […]
The tradition of watching It’s a Wonderful Life did not seem quite so wonderful tonight. Although your husband has always enjoyed watching good old George Bailey muddle his way through a financial mess, this did not seem like ht year to watch someone consider suicide. In a year when your husband has confided that he […]
Every debtor wants to work with a good collection agency. Therefore, it is important to know how to spot qualities that are exhibited by only high-end collection agencies. In 2017, there were 8,513 debt collection agencies in the U.S. This shows that many debtors are relying on these agencies to collect their debts. This is […]