is-a-payday-loan-really-a-good-deal

Is A Payday Loan Really A Good Deal

Writen by Joseph Kenny

All of us have had those times when could simply use another couple of hundred dollars to get us by until the next paycheck. Financial tight spots can come unexpectedly. One way that might help you to cover those sudden needs or want of extra cash is by getting a payday cash loan. These loans are real easy to get. Here is a little more information to show you what is involved.

Easy To Get

A payday loan has got to be one of the easiest loans to get. Very little is needed in order to qualify. in many cases, you simply need to prove that you are at least 18 years old, have lived in one place for the last six months have a checking account, and make more than $1,000 (some say $1,500) per month.

No Credit Check Or Collateral

These things are real quick to apply for. No one is turned down who meets the basic requirements. There is no credit check since the money is actually deposited into your checking account - and then withdrawn from it, too. When you ask for the payday loan, you give them a check made out to them for the amount of the loan, with the interest added on to it. Then, if everything is in order, you will have the money in your account within 24 hours. No one checks your credit rating, or asks for any collateral. They will, however, look to see if you have any other outstanding payday loans - which will make the current loan null and void.

High Interest

Apart from being extremely convenient - you don’t even have to fool around with a bill or a credit card, it sounds like just the thing. One problem, though, is that it may be too easy. All of us run into hard times, sometimes. For those who have a hard time controlling their finances, though, this could hurt them even more. For those who regularly run out of funds each month because they cannot control their finances quite like they should, this makes money too convenient, and the high interest on payday loans will make their money disappear even faster.

The interest on this type of loan comes to about $25 to $30 for every one hundred dollars of the loan. This interest is usually for a two-week period.

Can Be Rolled Over

After the first two weeks, the individual has the option to roll it over. This means extending it another two weeks - and another two weeks if needed. But with each two week period, the interest is again added. This means that after six weeks a $400 loan will cost $475. This is an awful high price to pay for a little convenience.

Quite possibly, a credit card may be the better deal, but you will have to decide on it for yourself. With the ads for payday loans all around us, that may be the first thing you think of when your funds fall a little short - but isn’t that what the ads are all about?

commercial-financing-super-regional-malls-description-and-design

Commercial Financing Super Regional Malls - Description and Design

Writen by Chad Mayes

Super-regional shopping malls represent the largest single concentration of retail shops in the shopping center format. Super-regional malls, often more than one story in height, may exceed 1 million square feet in leasable area. A few “super-regional” malls are in excess of 2.1 million square feet; however, most are between 1.1 and 1.5 million square feet of gross leasable area. The term super- regional indicates that the market area the center serves has a population of 300,000 or more. The term mall indicates that the shops are to be clustered around a core area usually restricted to pedestrian traffic. Most of the recent successful super-regional malls have been totally enclosed, roofed, and air-conditioned. The tenants lease space for their merchandising area, plus basements and other storage space, employee rest areas, and offices. Tenants also pay a pro rata share of the expenses of operating the enclosed, purely public spaces in the mall; each share is based on a formula of the tenant’s percentage of gross leasable area to the total leasable area.

Super-regional malls are generally “anchored” by at least four major retail departments stores. These huge retailers have advertising budgets, reputations, and size that generate considerable shopping traffic. Anchor tenants often demand and receive rent concessions; they may even build and own their own buildings on space donated by the developer to attract them to the mall. In terms of rent paid, the anchors usually offer only break-even benefit to the developer; however, they are often key to the success of the other retailers, who pay higher rents to make up for the anchors’ concessions.

Besides the anchor department stores, a variety of other tenants are attracted to super-regional malls. The 10 most prevalent mall tenants (after department stores), listed in order of their occurrence, are

women’s ready-to-wear shops

jewelry shops

fast food carryout restaurants

menswear shops

women’s shoe stores

women’s specialty clothing shops

family shoe shops

card and gift shops

department stores

special apparelunisex clothing shops

The design of the super-regional mall is often critical to the success of the non-anchor chain stores and local tenants. Such tenants get the exposure they need from the pedestrian traffic between the anchors. A four-cornered pattern creates the maximum amount of traffic for local shops. If a mall includes tenants such as restaurants or movie theaters, which create their own traffic, a central location on the pedestrian path is less critical. (Often, restaurants and movie houses will be segregated, if possible, as they often cause congestion and litter that are inconvenient to other tenants.)

In addition to higher rents per square foot of leased space, retailers pay more to operate in a super-regional mall than to operate in an open-air or “strip” shopping center. This is primarily because mall tenants must pay a pro rata share of the cost of heating, cooling, and cleaning an enclosed pedestrian space.

cash-flow-statements

Cash Flow Statements

Writen by Kristy Annely

If you are a business owner, you need to know what a cash flow system is not only because it is a mandatory potion of your financial report, but also because you can use it to better manage your business solvency. A cash flow statement can help you forecast future cash flow and budgets, and also give your investors a clear picture of your company’s financial health.

A cash flow statement documents the amount of incoming and outgoing cash (and its equivalents). Only cash sales are recorded in a cash flow statement - all future sales (including those made on credit) are not declared. The biggest bulk of your cash flow is usually from your core operations. Document the movement of your receivables and payables, inventory and depreciation.

Record the receivables from an earlier accounting period and then compare it to the subsequent period. If the receivables decrease, this means your business has more cash because your clients have paid. If receivables increase, remember to subtract the amount of increase from your net sales; because while they are technically sales, they are not cash and have no bearing on your cash flow statement.

The same standard applies when you are computing for cash flow as it relates to inventory and depreciation. If your inventory escalates, for example, this may mean you spent more cash buying them. Record this movement in your cash flow statement. If you paid for the new inventory in cash, subtract the value from your net sales. If you bought the new inventory on credit, record the movement as an account payable. If your company bought appreciating investments (such as a new office), this is recorded as “cash in.”

If your cash flow statement is negative (meaning your cash inflow is less than your outflow), don’t panic. This does not automatically mean that your business is failing. A negative cash flow is perfectly understandable if you are expanding and therefore need to spend money on more equipment, wages, etc.

concurrent-retirement-and-disability-pay

Concurrent Retirement and Disability Pay

Writen by Milos Pesic

Concurrent Retirement and Disability Pay (CRDP) is a phased-in reinstatement of the retired pay deducted from military retiree’s accounts due to their receiving of department of veterans Affairs (DVA) compensation, showing on their Retiree Account Statements as the “VA waiver”. The phased-in restoration started January 1, 2004 with the initial payments dated February 2, 1004.

A person is qualified for the Concurrent Retirement and Disability Pay if they have a DVA-rated, service-connected disability of fifty percent or higher, except if they are a disability retiree with less than twenty years of service or a retiree who combined the military time and civil service time to meet the criteria for a civil service retirement. If they have combined the military time and civil service time in order to improve their civil service retirement from OPM, then they are eligible for the Concurrent Retirement and Disability Pay payments, but they will have to replace their retired pay by coordinating with OPM. If one becomes eligible for CRDP, their payments will start automatically.

Payments from the Concurrent Retirement and Disability pay are delivered through direct deposits or mailed-based on their current retired pay information. The payments will reflect as a decrease in the VA waiver deduction on their retiree Account Statement, but they will maintain to be given the same amount from the DVA.

The Concurrent Retirement and Disability Pay payments are taxable according to their current retired pay federal Income tax Withholding (FITW) tax rate and may have an effect on the amount they wish to have deducted for State Income tax Withholding (SITW).

The payments are also subject to collection actions for child support, community property, government debt, alimony, and garnishment. The Concurrent Retirement and Disability Pay payment rates are as follows: (computation begins with the “table rates”)

-If rated unemployable $750.00
-If rated at 100% $750.00
-If rated at 90% $500.00
-If rated at 80% $350.00
-If rated at 70% $250.00
-If rated at 60% $125.00
-If rated at 50% $100.00

The total computed CRDP amounts based on the rates will increase each year until January 2014 when they will be receiving their full retired pay entitlement and their DVA disability compensation with no reduction. Unlike Retired Pay Cost-of-Living Allowances (COLAs), The Concurrent Retirement and Disability Pay increases will be effective on the 1st of January every year, to be paid on the first business day of February. In addition, since retired gross pay, DVA compensation, and consequently VA waiver amounts, increase very year with COLAs, they will not be able to precisely extrapolate CRDP amounts for upcoming years.

CRDP amounts will automatically decrease or increase based on the percentage of disability accounted to the Defense Finance and Accounting Service (DFAS) by the DVA. Just remember that the monthly CRDP amounts cannot go beyond the lesser of your monthly gross related pay or VA waiver amount.

dont-buy-the-government-grant-guides-from-the-joker-or-the-joke-will-be-on-you

Don’t Buy The Government Grant Guides From The Joker Or The Joke Will Be On You

Writen by Suzie Shannon

Government grants are available on-line for free.

Go to Firstgov.gov which also includes state grants and assistance. Then go to grants, fill in the brief questionaire and it does a search that narrows down what you want and what you qualify for.

There are seemingly unlimited amounts of grants, funds and assistance for almost anything. One who qualifies can get assistance with telephone bills (just call your provider and ask), mortgage payments, rent, legal assistance, jobs, unemployment and so on.

There are government auctions by 14 federal agencies, government owned properties and links to other agencies and sources, including state and local surplus auctions. Go to worldstudy.gov to see programs that grant up to $28,000 to study in other countries. Check out other educational opportunities @ ed.gov.

I think any time it ends in .gov it’s legitimate and definitely so if it is a link. There have been 71 new grant programs introduced in the last 7 days.

Also see grants.gov.

For housing information go to hud.gov. It is a very informative site that cares about the consumer and pulls no punches in warning and educating them about discrimination, fraud, predatory lending and carefully selecting professionals in assisting them with the entire purchasing process. It is also loaded with links to other helpful sites such as VA.

selling-your-home

Selling Your Home

Writen by Jeff Lakie

If you are in the market of purchasing or selling a home, it is likely that you will come across many different documents of a wide variety, each of these will likely have different uses, functions, and names associated with it. When selling or buying a home two documents that are misunderstood the most are called quit claim deed and warranty deed. People tend to believe that both forms are exactly alike, well I am here to tell you differently.

Warranty Deed

This document is a deed that is presented to you by the seller and can be used in a wide variety of transactions that involve sales. This warranty basically tells you that the property being sold is indeed owned by the seller and that there are not any types of liens placed upon it, essentially saying it is free and clear. This assures the buyer that the seller has all legal rights in transferring ownership to them without any type of holdings on it. This means that there are no claims that could be made by anyone that may include financial institutions or otherwise, on this property. With the warranty deed, the buyer is protected by the court of law if the claims should prove to be false or the event occurs when someone does have the ability to place claim on the property. The law states that in either of these events, the buyer would be entitled to compensation of some form. It is seldom that the warranty deed will not be coupled with an insurance policy on the title, so the buyer is assured a free and clear title.

Quit Claim Deed

This deed is on the opposite end of the spectrum from the warranty deed. The quit claim deed, is generally presented to you by a seller who likely does not personally own the property in question, however, they do have some responsibility over it. There are a variety of reasons that a quit claim deed can be used this can include, when the actual owner has died but has left the property in question to a friend or family member. Additionally, it can be used when a couple has gotten married and the spouse wants to include the other party on the title. This type of deed does not offer the same type of assurances to the buyer as the warranty deed does, it is for this reason that this is typically used when the sale will occur within the family.

where-to-find-small-business-grants-for-your-startup

Where To Find Small Business Grants For Your Start-Up

Writen by Susan Jan

Grants are given every year for a variety of reasons, from small business start-ups, continuing education, preserving historic monuments, to art. Business grants are usually given to applicants that have a solid business plan, and the more detailed the reports are, the better chance of getting the grant.

When starting up your own small business, the first priority would be to find start-up capital. The best capital to get is the small business grants such as free grants that you never have to pay back, or other types of grants that are more like loans and require repayment with interest.

New business owners and existing business owners are eligible to apply for business grants. There is a wide array of Federal business grants available such as Free Government Money for Minorities, Free Government Money for Women, and Obtain Free Government Money for equipment, rent, offices, expenses and overhead

There are numerous sources to find the best business grants:

* The Catalog of Federal Domestic Assistance is a major provider of business grant money.

* The Federal Register is another good source to help you keep current with the continually changing federal grants offered.

* FedBizOpps is another great resource, as all federal agencies must use FedBizOpps to notify the public about contract opportunities worth over $25,000.

* The U.S. Government’s Grants has its own website where you can find, obtain information and apply for many of the grants that are available.

* Government’s Catalog of Federal Domestic Assistance (CFDA) provides a listing of Government grants and other types of assistance that you can receive.

Federal law mandates that government agencies and private foundations give away over 1 trillion dollars to individuals and businesses. Foundations are required by law to distribute 5 percent of their market value assets or interest income annually, whichever of these amounts is greater, or risk losing their tax-exempt status.

The incentive for giving away grants is great. First, elected officials seeking reelection give away billions in government cash so that people vote for them; second, big corporations save a lot of money in taxes by giving money to foundations.

Another option when starting your business would be to apply for private grants from foundations and corporations. Foundations award grants to businesses that are able to help the foundation reach its long-term goals. In the United States there are more than 65,000 private grant foundations which award more than $20 billion to applicants. Two good resources for private grants are the Foundation Center and the Council on Foundations.

finance-freedom-from-poverty-consciousness

Finance: Freedom From Poverty Consciousness

Writen by Nick Arrizza, M.D.

You can follow all of the advice you get from a money manger but if you have an emotional impediment known as “poverty consciousness” your chances of becoming financially successful is likely going to fail.

What is poverty consciousness?

Well it’s associated largely with the “worry” that one will not have enough money to do whatever they desire with.

You see this worry is based on a deep “belief” often inculcated in early childhood that one “will not have enough money to do all that is desired”.

Without such a belief the corresponding worry would not be present.

Many of you “think” paradoxically that having such a worry is actually a good thing, don’t you?

You likely think that the worry:

1. Motivates you to save, to invest wisely, to be careful with your money, so that,

2. You will accumulate enough money, so that,

3. You will feel care free, happy, satisfied, fulfilled, at peace, and in control of your life.

In other words, summarizing the above the belief is that:

(A) Worry makes me feel care free, happy, satisfied, fulfilled, at peace, and in control of my life.

Is that true?

Well notice how you feel when you worry about having enough money.

You likely will notice the following: anxiety, indecisiveness, fear, tense, restricted, drained of energy, confused, dread, perhaps feelings of paralysis and/or terror, and worry, to mention a few.

Does that sound like (A) above?

Absolutely not!

So (A) is false isn’t it?

If you see that then simply admit that to yourself now.

Secondly the “worry” itself is toxic to you isn’t it?

If you see that then admit that to yourself now.

Do you want either statement (A) or the worry to be “living” in your mind or body?

If not then simply (and please don’t diminish in your mind the importance of this step) ask these to be forever purged from your life as if speaking from your heart.

Now notice how you feel inside.

Think for a moment of your financial situation. How does it feel to you now?

If all went well you likely feel a sense of relief, at peace, calm, more joyful, freer, more relaxed, more energized, more present, and more optimistic about what the future may bring you.

This is what I call feeling in charge of one’s life. When you find yourself feeling this way you begin to attract and create everything you desire effortlessly.

Isn’t this where you’d rather be?

If so kindly contact me at the web link below where you can arrange an introductory telephone consultation that will help empower you in all areas of your life.

do-you-have-a-debt-consolidation-plan

Do You Have a Debt Consolidation Plan?

Writen by Mark Lambie

Have your debts become unmanageable and to the point of just plain confusing, to where you do not know when, for how much, and what you are being charged with each of your debts? The solution to your problem is clear and it comes in the form of Debt Consolidation. There are a variety of different companies available to you that offer debt consolidation loans, these loans are used to take all of your debts you have and roll them into one easy to remember and affordable payment. You can consolidate a variety of your debts such as home improvement loans, credit card charges, personal loans, or any bill that have begun to build up on you and you have a hard time paying. What happens is you gather all of your unpaid bills that are piling up and figure them out, and then you approach a company that you have thoroughly investigated and feel completely comfortable with and apply for a consolidation loan. Because the options to you vary so greatly you need to come up with what is called a debt consolidation plan, this plan will help you in digging yourself out of the financial hole you are in and stay out of it.

It is important that you form a plan that you have carefully considered, researched, and thought out completely, this will allow you to become familiar with all the different options you have available to you and ultimately knowing how to manage your debt, which is the ultimate goal in your plan. Having a plan will allow you to be aware of and avoid the frauds that are out there as well as ensure you are choosing a company and loan that suits your specific needs.

When you are making your debt consolidation plan there are various points should you consider for example, you should access your financial position you are currently experiencing. Know your expenses, savings, and income, know what you can and cannot afford and if it will be a cost effective option in the long term of your financial goals. Another important aspect of managing your debt is to cut back on all of your expenses, while you are repaying your current debt, if you continue to make more debt consolidating your debt will not help at all, and you will end up having the same issues all over again. Lastly, you should thoroughly investigate all companies that you are considering, shop around and know what to expect, some companies offer better deals than others do, make sure you get the right one for you.

global-banking

Global Banking

Writen by Greg Lipke

Everyone needs a bank account. Company or person you can’t avoid it. The days of dealing in cash from out of your mattress are long gone. The banks have us by the …… well, you know. We just have to make the best of things. All we can do as a consumer is use the opportunities that competition provides for us to shop around for the best deal we can. It’s the same for everything. We live in a global world and whether you like globalisation or not, guess what? We’re stuck with it. So use it to your advantage. This is what the wealthy do as part of their luxury lifestyle, but you don’t need to be rich to take advantage of these opportunities. Not anymore.

Every country is competing for your trade, residency and tax dollars. Even the tax havens want you and your money to fill their coffers from sales taxes or to employ their locals. Every business entity that trades with the public wants you as a consumer no matter where you are from. Banks are no different. When you are looking for a bank account don’t limit your search to your local country. Think globally. You will often find a better package of bank services and a more favourable regulatory environment offshore.

Many countries in the world care about your privacy. Many don’t. Why the difference? Here is the logic.

Large countries with large populations can rob their citizens with impunity. They have the control because they know most of their citizens won’t ever vote with their feet and leave. They preach nationalism and patriotism which are noble sentiments for a citizen to have, but it’s a bit rich when governments use these noble emotions in their citizens as a weapon. They keep you where you are, then they tax the crap out of you. To tax you effectively they rob you of your privacy to make sure you don’t escape the shake down.

Small countries with small, relatively poor populations can’t get away with this strategy. There aren’t enough people in the country to tax in order to bring in the money they need. They have no choice but to attract people from other countries to bring money in. So, how can they do that? Abolish taxation. Where would you rather live and do business, somewhere that taxes you to within an inch of poverty or somwhere that doesn’t? Strong privacy legislation is another tool these countries use. If they don’t tax you, they don’t need to know the intimate details of what you are doing financially every second. This does not mean that tax havens are criminal paradises however. Some used to be but now they all have comprehensive “know your customer” legislation that is usually tougher than the ones in non tax haven countries. They want to know the intimate details of who you are and where your money comes from BEFORE they will do business with you. If you’re clean they will welcome you, get out of your way and not pry as long as you remain clean. They will protect your privacy with very tough privacy legislation unless some police agency can prove to them before the tax haven’s courts that you are up to no good. If you are abusing their hospitality they will lift your privacy and order your bank to co operate fully with the foreign police. Now, I think that’s fair enough. That protects legitimate people and companies without protecting criminals and terrorists. That is the way it should be.

As a result of these tax havens taking the lead in being fair financial jurisdictions they have attracted all the world’s best banks and insurance companies to their shores. Not to mention most of the world’s biggest companies. The tax havens then make their money through the collection of annual registration fees from the companies and ships registered in their countries and from sales taxes from the people who live and visit there. Financial services and tourism are the life blood of these countries.

Smaller countries have smaller beaurocracies as well so getting things done is less frustrating in most instances.

Now, I don’t know about you, but I’m no criminal. So I’m going to do business and live where I’m treated fairly and respected by the government.

The other very good reason to bank in tax havens is the way the banks are allowed to operate. In some “first world countries” banks are restricted to banking only. In most tax havens the banks can offer a full range of financial services including investing. You can organise a cost effective package of services with competitive fee structures and strong privacy.

The best countries for banking are:

Europe

Andorra

Austria

Isle of Man

Liechtenstein

Luxembourg

Switzerland

Pacific

The Cook Islands

Western Samoa

Caribbean and Central America

Antigua

Barbados

Belize

Commonwealth of Dominica

Dominican Republic

Panama

St Kitts & Nevis

Some are more expensive than others. All have the world’s top and most respected banking organizations represented there. These are the places the wealthy bank in as part of their luxury lifestyle.

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