Just Money Honey

$500 Dollar Loan in Nebraska - Low Interest Not a Payday Loan

2011-05-16T18:48:00.000-07:00

Is there such a thing as a company that lends money online that doesn't charge the high interest the payday loan companies. I want to find a lender that is not a payday loan company and lends out $500 dollar advances for a cheaper rate than most of these PDL outfits.

I have not found and companies like this anywhere and I have been looking for a long time. I'm in Nebraska but that doesn't really matter because I am open to getting a loan out of state anywhere in the States.

So if you find any companies that will fund my checking or savings account overnight for five hundred dollars and charges an APR less than the normal payday loan rate. I don't mind paying say $5 for every $100 I spend, but no more than that.

I know that the online lenders are always complaining about the fact the many of their customers are dishonest and default on their loans, and even get the loan in the first place with the full intent of NOT paying it back - BUT that is not my problem. Just because their are crooks out there doesn't mean I should get punished with higher rates. Maybe they should think about upgrading Teletrack and their software packages to screen their applicants better.

So there is my vent. I'm getting mad because I have been turned down for loans so many times.

My Buddy Mike and I on a Trip in Illinois

2010-10-05T12:40:00.000-07:00

My buddy Mike and I took a trip from our hometown in Karnak to the Windy City last weekend, and we got ourselves in some trouble.

After we left our buddies, we had some car trouble near Dwight when my transmission decided to retire. Of course we were very disappointed to have our trip go off the rails like that, but regardless, we were really excited to be out on the road and away from work.

I should point out, that this short story is a cautionary one, and hopefully others can learn from our mistakes - it's so much easier to learn from someone who has learned the hard way not that most people ever really change their behaviour because of someone else's mistakes.

So there we were - stuck in Dwight with my car broken down and forced to spend half of our play money on repairs. It was a bad start to a trip we had been talking about taking for over six months. Between Mike and I, we had a total of three thousand dollars when we cashed our paychecks in Dongola, and by the time we finished paying for the transmission, labor, our bar tab, food, and hotel, we were down to just over two thousand dollars.

When we finally arrived at the Casino we weren't exactly as excited as we had anticipated we would be when we were dreaming up the trip in the first place. Furthermore, we were very tired from driving, and we knew we had already spent close to one thousand dollars. Almost a third of our seed money.

Both of us needed to freshen up before we went to the Casino, so we just grabbed our keys for the room and went upstairs to crash.

It seemed that whenever I got lucky and got dealt two face cards, the dealer would get blackjack. Whenever I split two hands, the dealer would get blackjack, 21, or 20. I thought the dealer's good luck had no boundaries!!

By the end of the day Mike and I had lost ALL of our money gambling, and Mike had even gone to the ATM and withdrew another five hundred dollars, leaving us feeling like real losers. Even though we both talked about how it was only money, deep inside we were both feeling sick about it.Talk about your instant deflation of self-esteem.

We went back to our hotel room, silently watched television, and rarely spoke - except to remind ourselves that we had no gas in the tank of the car.

We finally fell asleep at around four in the morning and when we woke up we were hung over. We checked out of our hotel room at the latest possible check out time, and slowly walked out to the parking lot, queasy and uneasy. We were not alone of course - there were other losers walking around with the same look on their faces.

All I could think about was how we were going to get some gas in the tank for the drive back down south.

Just when I was about to say something, Mark came across his pay stub in the glove box. He suggested we should go one of those payday loans so we can get some money for food, and gas for the car (I shuddered at the thought of getting money that way, but we were out of options).

It was obviously the only recourse we had left at this point, so we looked in a nearby phone booth directory to find out where all the payday loan shops were in Springfield. We found one that was on our way back south, and looked it up on the map. One that was more well known. Preferably we needed a lender that advertised five hundred dollar loans in just minutes.

So we headed down the highway running on fumes. We were in pretty pathetic shape at the time - you know - young and stupid.

We ended up getting completely lost for awhile, but eventually found a town, and the street that the payday loan shops were on. It was crazy how many there were.

When we went to work the next Monday all of our buddies asked us how we did up North in the Casino. We told the truth, which made us the butt of the jokes for the entire week. Furthermore, we were really broke. Well there you go - two young punks losing all their money in a hurry.

If you ever wondered what a complete "train wreck" looks like, I can assure you, you might want to read this whole post. I took My neighborhood friend with me and hit the highway through Peoria and Champaign on our way, as well, we dropped by to see some friends in both locals. Spent some time talking them out of going rock climbing, and coming with us to the Casino, but it just wasn't meant to be.

Our friends had the right idea for sure, but we love gambling (well we did then - read on), and we were off in a shot. Soon after we left there my vehicle started making some wierd noises near Dwight when my transmission pooched. This was a major bummer for sure and put a small damper on our mood, cars never seem to break down at the right time do they, but regardless, you know the saying - a bad day fishing is better than a good day at work. I should point out, that everything I mention in this piece is 100% factual, and perhaps other young people can avoid losing all their money - not that anyone will read this a and run for the hills not that readers will take anything away from this story. And this is how it was - two young bucks waiting it out in Dwight and forced to spend half of our play money on repairs. We discussed the idea of postponing the trip all together. Between Mike and I, in total we had three thousand dollars when we picked up our pay in Dongola, so when the whole ordeal was over and we had looked after the transmission, labor, our bar tab, food, and hotel, we were down to just over $2000.

As the two of us were driving into the parking lot of the Casino we weren't exactly as excited as we had envisioned we would be when we were dreaming up the trip in the first place. Furthermore, we were exhausted from the journey, and we were aware that we had gone through up to 1000 dollars. A disturbing amount of our "playing money".

We both wanted a shower and a time out before we went to the Casino, so we boogied on up to the suite and mellowed out. When we pushed the button to bring up the elevator we were more than a little bit tickled to be hitting the blackjack tables. Mike went flying off to the VLTs, and I watched all of the different dealers to see who was killing the players.

I couldn't help but notice then when I struck it lucky and got two face cards, the dealer got lucky. If was ever dared to split my deal, the house took me out, 21, or 20 - I couldn't quite believe how unlucky I was getting. I thought the dealer's good luck had no boundaries! To make things even more frustrating, the players with me seemed to be winning.!

By the time we were to hungry to play anymore Mike and I had totally blown ever last cent we had come with, and Mike suddenly vapourized from sight because he was withdrawing another five hundred dollars, leaving us with a real sinking sensation. This is a sinking feeling of total stupidity.

We went back to our hotel room, and didn't say a single word to each other - save for the weak attempt at taking our minds of what just happened. We closed our eyes in the wee hours and when we woke up we were hung over.

As he sat there having his puff, I was brain-storming a way to get some 87 octane into the gas tank for the drive back down south.

I thought about it for a few minutes, and realized he was right, so we looked in a nearby phone booth directory to find out where all the mini loan organizations were in Peoria. We found one that was on our way back south, and looked it up on the map. We wanted a lender that provided $500 dollar loans in just minutes.

We finally got moving stopping to share a Mcdonalds Egg McMuffin with our last two dollars.

We were both more than a little bit concerned with our lack of petrol, praying we would have enough fuel to get us to the loan shop and praying we would have enough fuel to get us to a gas station after we got our three hundred dollars. We really appeared to be exactly what we were - you know - young and stupid. We started to laugh at one point when we got mixed up on our directions, but we still had the engine running, and we found where the paycheck loan establishments were on.

When we are back down South, and in the work place again our friends were all over us with questions about our trip in the Casino. The word got out eventually that we were big-time losers. Furthermore, not to mention we didn't have an extra dime to our names. End of story - silly boys.

Payday Loan Companies in Georgia

2010-09-29T15:09:00.000-07:00

This is a rather long list of PDL companies in the State of Georgia.

Kubota Equipment

2009-12-10T16:03:00.000-08:00

Kubota have had the compact range of equipment sewn up for years now with many a new kid on the block trying to steal a march.

There are a number of products that maybe, just maybe, are gaining traction but for me Kubota are still the number one.

Kubota 1100s
Kubota 4030s
Kubota 500 Rtvs
Kubota Accessories
Kubota B2320 Tractors
Kubota B2710s
Kubota B4672a Backhoes
Kubota B6000es
Kubota B7000 Tractors
Kubota B7510 Hsds
Kubota B8200s
Kubota Bh90s
Kubota Bx Cabs
Kubota Bx1800s
Kubota Bx2230 Tractors
Kubota Bx2660 Tractors
Kubota D722s
Kubota Diesel Generators
Kubota Engines
Kubota Front Ptos
Kubota G2460s
Kubota Generators
Kubota L225s
Kubota L245dt Tractors
Kubota L2850s
Kubota L3130s
Kubota L3940 Tractors
Kubota L4400s
Kubota Lawn Mowers
Kubota Light Brackets
Kubota M5700s
Kubota Mini Excavators
Kubota Radiators
Kubota Rtv Heaters
Kubota Seat Armrests
Kubota Super Udts
Kubota T1880s
Kubota Tractor Parts
Kubota M Series Tractors
Kubota V2203 Diesel Engines
Kubota Zd331s
Used Kubota Lawn Mowers
Used Kubota Tractors

I purchased the three cylinder, diesel Kubota B7001 compact second hand and I have to say, just like the ones we hired in, it does everything it says on the tin.

I have just rotovated an area of ground that has been used as a infill for a while so it had it's fair share of stone, brick, some plastic and wood yet the Kubota handled it with ease.

Not only did it rotovate in low third gear without power loss but it managed to deal with a very steep incline (as seen in the picture), although I did have to use the four wheel drive and differential lock to keep good traction.

Whilst the tractor unit itself is no where near new - I bought it from a local dealer but it has been imported from China - it is excellent condition and (touch wood) has several good years life left in it.

On the back I have an Agric ALJ35 98cm wide rotovator which makes easy work of the firm soil and chops it up finely.

A little note of interest if you are planning to hire in a tractor/rotovator combination to prepare a new lawn, clean up a vegetable patch or prepare some newly levelled top soil.

Use low first gear to chop up the ground. This will help to create a workable top to start with. After you have prepared the top surface, changed to third low gear. The extra speed will allow the unit to act like a leveller-grading machine.

How Cool are Kubota Tractors??!!!

2009-11-20T12:28:00.000-08:00

So we had our backyard landscaped the other day and the contractor brought a small little excavator/backhoe and I was blown away by how well it worked and how nicely it maneuvered around the dirt, and the obstructions. I was so impressed that the name of the mini-excavator stuck in my head - KUBOTA. Below is some information on Kubota Tractors and such.

The Strength of a Big Machine in a Compact Excavator
In addition to superior horsepower and performance, the Kubota U17 delivers low noise and vibration levels, exceptional fuel efficiency and compliance with the Environmental Protection Agency's 2008 Tier IV emissions regulations. The Kubota D902-E3 engine teams up with an 11.9-gallon-per-minute hydraulic pump capacity to boost versatility for a wide range of tasks. For additional efficiency, the dozer arms on the U17 are extended to optimize clearance between the dozer and bucket, making soil and rock collection close to the machine simple and efficient. The U17 has plenty of power for heavy loads and tough excavating jobs with a quick coupler and bucket breakout force of more than 3,000 lbs. And, with a compact 3-foot, 3-inch overall width, the U17 is small enough to fit through almost any gate - but with the machine's hydraulic, expandable variable width tracks - the U17 offers balance, stability and functions "big enough" to get the job done.

Safe and Comfortable Operation with Easy Maintenance
From safety features to enhanced operator comfort, the Kubota U17 is equipped to be efficient and productive. The Roll-Over Protection Structure (ROPS) canopy ensures safety and security on the job. Dual- flange track rollers reduce de-tracking on slopes during operation, while the tie-down rings provide a convenient way to transport the U17 safely when it is not in use. The high-back suspension seat provides optimum comfort while the two-speed travel switch on the dozer lever allows for faster operation while freeing up space on the floor for a wider foot area and lessened operator fatigue. With protected, top-mounted, boom-cylinder, motor hoses and front hoses, repair costs are reduced and durability is improved. Operators can also trust the advanced technology of the U17's digital control panel that provides alerts when maintenance is due.

Working Range and Optional Implements
The Kubota U17 has an 11-foot, seven-inch maximum digging height, and an eight-foot maximum dumping height to reach elevations needed for virtually any job. Combine that reach with a seven-foot, seven-inch maximum digging depth and the U17 is as versatile as it is powerful. To further worksite versatility, optional implements for the Kubota U17 include buckets, spark arrest muffler, travel alarm, hydraulic auger, canopy lights, quick coupler and hydraulic hammer.

After the experience of seeing the Kubota mini-excavator in action, I had to write about it a little bit and build a site on it too. As with all the sites I make, I make a link here to promote it a little bit.

Do It Yourself Solar Heating Systems

2009-11-18T09:29:00.000-08:00

I've been asking this question allot these days on my blogs. Where can I buy an inexpensive solar water heating system that works really, really well.

Testing Testing

2009-02-09T11:32:00.001-08:00

Msn Spaces experimental page for Carol finance blog.

Christian Loans From California to Newyork

2009-02-05T20:20:00.000-08:00

There are millions of Christian families out there who try to get all of their services and products from Christian businesses and other people from their own congregation if you want to put it in local terms. If you are one of the millions of Americans who are in need of a Christian loan then I suggest that you start by looking online. Even if you don't get your loan approved online at least you will have a better idea and a better understanding of the terms of your personal financing product work and how they play out or the duration of your payment periods.

Whether or not you're a true Christian, or a half-baked Christian, it really will much matter because you are going to be dealing with the same kind of interest rates (APR), and everybody else in America who needs alone for debt consolidation for four a car purchase or for a home mortgage purchase. I suppose it is a really good English but what you do I'm tired.

Pay Per Click Campaign Management

2009-01-17T14:11:00.001-08:00

Mark here Karen;

First of all I like the idea of using this for a posting board when our email is on the fritz. Is there a way to make these posts private?

Quick note to us - look into outsourcing our pay per click campaign management with Bonavista Web.

See article I found today on PPC management companies Betty. Please read this through and let me know what you think of these rates.

Bonavista Web
PPC Management Services
Calgary, Alberta, Canada
T2J ON9
PPC Management Rates in USD
403 648 3516

Mark: looks good and I signed us up for a trial period. Just called them at 403 648 3516 (Calgary) Tell you how the campaign goes in a couple of weeks OK. I'll leave a note here.

Ohio Loans Florida Loans California and Texas Personal Financing

2008-11-21T23:44:00.001-08:00

As well we have a Texas loans web site at TexasLoanOptions.com. Finally we have a California loans site at CaliforniaLoanFind.com. All funding and lending is done on a scouring basis meaning the try and find loans for their visitors.

Ohio loans web site is here at OhioLoanFind.com, and a new Florida loan web site is here at FloridaLoanFind.com. All of these personal financing sites are related to loans and consumer money issues. All of them are new, and all of them for making money.

Personal loan in for Ohio Florida Texas and California. This is a list of loan web sites for these states. So 4 of the biggest states and most populated states in the Union are Ohio, Florida, Texas, and California. Big populations and lots of personal loans need approving.

Bobcat Parts For Sale

2008-11-11T15:03:00.001-08:00

I’ve been looking for some Bobcat parts for my skid steer in Alberta. I found this site at zazbot.com which seems to be a general shopping site. Anyone know others that are better. Looking for a good deal.

Lawsuit Loans

2008-05-28T08:26:00.001-07:00

Looking for a good presettlement loans, or “lawsuit loans” . I would start here if you are trying to find a lawsuit loan.

We’ve seen allot of traffic these days from people asking questions about getting lawsuit loans, how they work, how to get them, how much it costs, and how much money you get up front.

Pathetic Republican Scumbags

2008-05-09T21:25:00.001-07:00

Nice try you pathetic republican scumbags………..

Free Blogs That Are Easy

2007-12-19T10:40:00.003-08:00

INteresting, as I have been using Blogger mostly in the past, but I’m looking for alternatives to Blogger and Wordpress. Some free blog service with no advertising would be best.

een doing some research into free blog services. But more than that, I’ve been looking for some blog services that are free And easy to use. Blogger and Wordpress, but I want a free blog service that allows my advertising on it.

I’ll be posting a list of these free blog services in the posts coming up before the new year.

Free Blogs That Are Easy

2007-12-19T10:40:00.001-08:00

INteresting, as I have been using Blogger mostly in the past, but I’m looking for alternatives to Blogger and Wordpress. Some free blog service with no advertising would be best.

I’ll be posting a list of these free blog services in the posts coming up before the new year.

Free Blogs That Are Easy

2007-12-19T10:39:00.001-08:00

INteresting, as I have been using Blogger mostly in the past, but I’m looking for alternatives to Blogger and Wordpress. Some free blog service with no advertising would be best.

I’ll be posting a list of these free blog services in the posts coming up before the new year.

Nordstrom Dresses Still High Quality

2007-12-03T14:13:00.001-08:00

There are cheap dresses, and there are expensive dresses. The majority of women in America buy their garments at bargain basements (or so-called) like Rosses, Target, Walmart, or JcPenny.

Women who have alot more money will opt in buying name brands, and designer brands. Right down the middle we have dresses sold at Nordstrom. Nordstrom sells every possible style you could think of, but they can be a little pricey at times.

Watstat Site Like Wikipedia

2007-12-02T16:32:00.003-08:00

You can see there are allot of other webmasters who are trying to build their own Wiki sites these days. My favorite Wiki platform is DokuWiki, and there are others using exactly the same software as Wikipedia.

A good example is this site, called Watstat. They use the Wikipedia software platform for their site. Interesting to me anyway.

I think Watstat is supposed to mean “What’s That?” Hmmm…

Best Place to Buy Good Cheap Hearing Aids

2007-11-13T12:47:00.001-08:00

Here is a good site for cheap hearing aids. They have the top ten hearing aids lsited and also the best comparison shopping for hearing aids.

Issuing HELOC Rates in Canada

2007-11-09T14:17:00.001-08:00

Canadian HELOC rates have been staying pretty low at the variable home equity loan rate and the fixed HELOC rate. You must shop around a little to ensure you don't get hosed with a bad rate. Found a good article on Canadian HELOC interest rates over at Zulit.com. Goes into depth on HELOC in Canada and what borrowers can expect with a home equity loan.

HELOC interest rates in Canada are lower than ever as the Loonie rises. As a result, HELOCs are being applied for en masse. Canadian banks, like all American banks, are eager to provide home equity line of credit financing. There is no risk to the banks in Canada, and they make nothing but money with their interest rates.

Canadian HELOC Rates

2007-11-09T14:01:00.001-08:00

Found a good article on Canadian HELOC interest rates over at Zulit.com. Goes into depth on HELOC in Canada and what borrowers can expect with a home equity loan.

Canadian HELOC rates have been staying pretty low at the variable home equity loan rate and the fixed HELOC rate. You must shop around a little to ensure you don't get hosed with a bad rate.

WARNING! 3 Day Toontown Trial Download

2007-11-03T12:20:00.001-07:00

The 3 day Toontown Trial Download is like an addiction worse than crack (so I read today)

The kids download the 3 day Toontown trial download last week and it was allot of fun. The kids loved it and so did I. Quite addictive I must say. I now have the kids begging me to subscribe to Disney on a monthly basis.

You can download the 3 day trial for Toontown here. Be careful though. Once the kids get hooked your going to be “on the hook” for a monthly payment if they get it their way. I’ll sign up for a month or two until the kids get bored with it.

Watch out for those nasty “computer screen eyes”, all blurry and bloodshot.

Jame Bond Wristwatches

2007-10-12T19:08:00.001-07:00

Like this post on wristwatches. Kinda funny in a general sorta way. Another dreamer wishing he could own a fancy watch. Get a life right….

Post Snippet:

…..One of my all time favorite watches is the original Cartier watch. Don’t think I’ll ever find one I can touch, but it’s still fun dreaming. If I ever get rich I’ve got a long list of expensive watches I want to collect…..

Free HyperVRE Templates From Zulit.com

2007-10-11T13:42:00.001-07:00

Found this post on Kenny’s site (Money Traffic). He’s always been a big fan Zulit (Terry Zulit).

Story below:

See this free HyperVRE templates page. Clean, crisp template with only a handful of sites using it so far. These free templates are a critical step when using the free HyperVRE site builder.

Most users of this site will be well aware of HyperVRE, what it’s used for, and how to use it. If you have never see this software in action it’s worth downloading for a free test run. I’ll gaurantee you’ve never built a web site this fast.

The Terry Zulit blog has a screenshot of Adsense earnings to show his HyperVRE empire in action. This action would be called making money.

Have fun and prosper!!!!!!!!!!

Kenny

Clean and Powerful Free HyperVRE Templates

2007-10-11T13:40:00.001-07:00

Found this free HyperVRE templates page. Clean, crisp template with only a handful of sites using it so far. These free templates are a critical step when using the free HyperVRE site builder.

The Terry Zulit blog has a screenshot of Adsense earnings to show his HyperVRE empire in action. This action would be called making money.

Have fun and prosper!!!!!!!!!!

Kenny

Today's Agenda

2007-10-07T07:48:00.001-07:00

Well, I have to be off quick today. I’m shopping for hearing aids as it has become very apparent that I’m as deaf as a post. My family has enough of my denial, so now it’s time to start looking like a geek! I’ve been told we can use a bluetooth device now. I’ll look into that.

Best Future Google Page Rank Tool Online

2007-10-01T12:52:00.001-07:00

The best futurle Google page rank (PR) tool I could find on the Internet. Terry Zulit is spot on in my opinion as far a future Google PR tool goes.

You can also copy/paste code the so you can have this same cool Google PR checker on your own site.

COPY/PASTE CODE BELOW TO HAVE GOOGLE PR TOOL ON YOUR SITE

<form target="pageframe" method="post" action="http://www.iwebtool.com/tool/tools/ pagerank_prediction/pagerank_prediction.php" onsubmit="return validate(this);" name="pageform">
<table border="0" width="100%" style="border-collapse: collapse">
<tr>
<td height="91" width="956" vAlign="top">
<table width="100%" height="76" style="border-collapse: collapse" class="tooltop">
<tr>
<td>
<table border="0" width="100%" cellSpacing="5" style="border-collapse: collapse">
<tr>
<td colSpan="4" vAlign="top"><font size="1" color="#ffffff"><span style="font-weight: 700; background-color: #a60000"><font face="Verdana">PLEASE NOTE</font>: </span></font><font size="1" style="font-family: Verdana, Arial">This tool will provide an estimation of the future PageRank and should not be considered precise.</font></td>
</tr>
<tr>
<td colSpan="4" vAlign="top"></td>
</tr>
<tr>
<td colSpan="4" vAlign="top"><strong><font size="2">Your domain(s): </font></strong><font size="1">Enter each address on a new line (Maximum 10)</font></td>
</tr>
<tr>
<td colSpan="3" vAlign="top"><textarea rows="11" name="domain" style="width: 100%"></textarea></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</form>

Way Too Drunk To Walk

2007-09-23T16:55:00.001-07:00

Found this video on Drunkation.com. Try, try again. This drunk man is having a really tough time getting up and getting on his way.

You can see the video here…

Plumbing Disaster

2007-09-22T22:03:00.001-07:00

So we replaced all the carpet in our basement suite last month. Looked great and we even re-painted the room. Just in time for my parent’s visit 2 weeks later. I looked at the job with great pride knowing I did it all myself.

All good until I decided I should replace our old water softener system with a brand new water softener system. Our water softener is an ancient old system that was leaking and had chemical damage through the core.

I disconnected the hoses, turned off the water, and got ready to take it apart and chuck it out. All fine. I took great attention to cleaning up all the lines, hoses, connections etc. After I had it all installed I filled it with softener salt, and turned on the taps.

I let my wife know that is was all going fine, and she thanked me with great affection. We went out shopping and went to Canadian Tire for some more household improvement “stuff”. When I went walking past the hard-ware aisle, and passed by some water hoses. I gasped, and ran back to my wife in the gardening section.

We got home as soon as we could. I ran downstairs and the damage was done. There was water everywhere. The spare room was COMPLETELY flooded and the new carpet was under water. The water softener was bone dry and the floor was soaked. What a huge MESS!!!

Took two weeks to dry everything, but the carpet is pretty well ruined. Lesson learned and a price of an education.

Google Stock Overpriced or Inflated?

2007-09-17T18:48:00.001-07:00

There has been some recent noise regarding Google’s stock price, and earnings. Some say that Google’s stock is overpriced and others say that their stock is simply inflated. Some very respected stock market, and business analysts have added to the Internet noise. (read Geoff Colvin’s article, Don’t Go Ga-Ga for Google)

The byline for the article was; “The business is a dynamo. The stock is a pipe dream, says Fortune's Geoff Colvin”. These are big words, and in retrospect the wrong words. Read one.

One of Colvin’s most interesting quotes, as far a I’m concerned is:

“Of course, any company's wealth creation rises and falls with its stock price, which raises a huge question in evaluating Google's achievement: Is today's price sustainable? I must report that there's just no way it is.”

The article above was dated July 24^th, 2007, and the today’s date is September 17^th, 2007. In the article Mr. Colvin suggested that Google’s stock price is indeed overpriced, at the same time he goes on to point out these stock facts:

“Google's figure is $149 billion and rising fast, pushing the company past most of America's biggest, most successful, most respected corporations. With Google (Charts, Fortune 500) at its recent record stock price of over $500, only three companies have created more wealth: General Electric (Charts, Fortune 500), Exxon Mobil (Charts, Fortune 500) and Microsoft (Charts, Fortune 500).

According to Yahoo! Finance Google’s stock price is presently at $525 per share, which is higher than the date of Colvin’s article. So where is the rapid correction in Google’s so-called inflated stock? I’ll tell you where…NO WHERE TO BE FOUND. Why you ask?

To fully understand the staying power of Google’s wealth and their business model, you need to be intimate with the bread and butter of their business. Paid Search Inclusion, or Adwords. I am intimate with Adwords and this is why I believe Colvin’s theory is way down the road.

I live in a city that just hit it’s one million mark for population (Calgary, Alberta), and I’ve been doing business for some local companies, in which I use PPC advertising to promote their businesses. The level of competition I have from other companies in town is next to nothing. The simple fact is that only a scant number of companies (percentage wise) have been introduced to pay-per-click advertising via the Internet, and thousands of companies a month are rushing to their local SEO companies to sign-up for Adwords, and start spending mo-money.

The saturation level that Colvin is suggesting for Google’s earning ceiling and inevitable decline in stock price makes sense for a bricks & mortar company, that requires great investment to increase their customer base. In the Internet world you grow a business at a breathtaking rate, and there is no need for a large investment.

I believe that Google’s stock is going hit a ceiling someday, but it won’t be anytime in the near future. Their growth is just beginning, as the percentage of companies still using standard advertising methods, and not Google PPC advertising is between 85–90%. Google Adwords is still a strange word to the overwhelming majority of businesses around the world. There is room for growth.

All the records of the past will one day be broken. Sports professionals break old records every year, and Google has already proved their model is one of the most powerful (if not THE most powerful) business model since the dawn of post industrial revolution business.

But then again…….what do I know?

How To Choose Rifle Scopes Online

2007-09-13T14:12:00.001-07:00

How To Choose Rifle Scopes Online

The task of choosing a new rifle scope isn't the easiest thing in the whole world. Over the last few years there have been so many new scopes released to the market it can make choosing a new one very, very tough. Each new scope claims to be superior to all other scopes in terms of precision and accuracy. On top of that a good rifle scope doesn't come cheap - many of them are several hundred dollars. Just remember a high price tag does not always equal a high quality scope. There are some simple tips you can follow to avoid being taken for a ride when buying your new scope.

Advertising – Bushnell Elite 4200 6 24x50 30mm Rifle Scope

Always be on the lookout for slick advertising when it comes to making a purchase. That glossy cover photo on the magazine says nothing about the actual product itself. Always read the fine print in the sales material before making any decision. Watch for accurate comparisons when you're reading any scope reviews or scope tests. Just like you can’t compare an apple with an orange and get an accurate comparison you definitely can’t compare a 32mm objective lens scope with a 50mm variable power scope and get an accurate idea of whether one is necessarily better than the other. Look for scopes that are comparably reviewed based on price, objective size, intended use and power range - these are critical factors.

Advertising – Mid-Grade Rifle Scopes

A key item on any scope shopping list should be the warranty itself. Never assume that all warranties are created equal - this is so very far from the truth. Most scopes come with what's called a limited life warranty but make absolutely certain that you know exactly what is covered by this type of warranty in case something does go wrong (which eventually it will). Also check exactly how long the warranty is and whether or not you need to be the original scope owner in order to be covered by the scope warranty itself.

Advertising – Compare Rifle Scopes

It's also worth paying attention to the amount of internal adjustment that a scope can offer. Most people don't think about this until after the purchase and are then disappointed. Also look at the type of rifle you're going to fit the scope to. For example, if your rifle is particularly hard to mount, you may find yourself in a situation in which you don’t have nearly the amount of range that you thought you did. When you’re not able to mount the scope straight on, you lose a lot of range. Look for scopes that provide a wealth of adjustment, preferably at least 60 inches or more.

Advertising – Night Vision Rifle Scopes In The UK

Last but not least don't forget to seriously consider the actual assembly of the scope body itself. Bear in mind that your scope is most likely going to be subjected to rough treatment on a regular basis. Taking the time to take this into consideration now will serve you well and save you money later on.

If you want your rifle to be truly complete then look for tactical rifle scopes online for great deals. You can find more information on rifle scopes and discount rifle scopes @ ScopesGuide dot com.

Jewel Thief Has Really Bad Day

2007-09-12T12:06:00.001-07:00

I laughed my ass off when I read this story. It’s great to see a thief have a really bad day for a change. Gutsy young men with a story to tell for the rest of their life.

This summer my wife and I went on holidays to Alaska. Took our brand new RV for a test run and all was well. About two weeks into the trip we got a call from our daughter with some bad news. Our house had been broken in to, and we had been robbed. Of course that put a damper on things for a few days, but the police were on it, and we knew our home insurance would cover the loss. The only thing we were sad about was my wife’s engagement ring, and my expensive antique wrist watch collection.

The engagement ring was priceless to us, and the watch collection would be impossible to replace. I asked my son to run down to the pawn shops and take a quick look around to see if he could spot some of my watches or his mom’s engagement ring under glass. He did this, being the good son that he is.

Two days later I got a surprise phone call from my daughter Julie saying that my son Matt had some surprising news. He had been cruising the pawn shops looking for our jewellery, when he actually spotted a young woman wearing an exotic engagement ring similar to his Mom’s (it’s a very special engagement ring, with an extremely setting, and band)

He saw her sitting in a car in front of a local pawn shop. He’s a pretty smooth operator, so he asked her for a light on his cigarette, and started chatting with her. As he was talking to her he took a good look at the ring to make sure he was certain it was my wife’s ring. As he was doing that he looked in the back seat and noticed a bag as well. He assumed the bag was likely to have other hot items in it.

Not knowing what to do he just kept the conversation very short, and thanked her for the light of his cigarette. Just as he was leaving, the girl in the car was waved into the pawn shop by a guy in the doorway. She got up and ran inside. My son, who was by now 40 feet down the sidewalk, doubled back to see if she remembered to lock her door. She didn’t.

Matt opened the car door, quickly opened the bag, and saw various items, and he recognized some of my antique watches in the bag. He especially noticed my display box, and now he knew that was his mother’s engagement ring on the girl’s finger. He grabbed the bag, and ducked away. Then it gets better.

Matt walked back to his car, and drove around the block. He parked again where he could see the car which now had the girl and guy sitting in it having an “animated discussion”. It was obvious that they were distressed about the missing bag of goodies from their back-seat. Eventually they drove away, and Matt followed them.

They drove about 7 miles to the other side of town, and Matt kept his distance. They pulled into a driveway, and got out of the car. They were still arguing loudly, as Matt watched on from down the road. By this time Matt had called a few of his friends to tell him about his adventure. They cooked up a scheme, whereby his friends would back their truck into the thieves driveway like they were just using their driveway to turn around. They would lightly bump into their car, and then be the good citizens and go to their door to let them know of the small fender bender. Sounds clever right.

Within minutes Matt’s three buddies showed up with their beat up pickup truck that one of them used for work. They backed the truck up into the driveway as planned, but they were a little too heavy on the gas pedal. They completely caved in the back-end of the small compact car. The impact made enough noise to bring the unfortunate thieves running out of the house. The guy came first, and the girl came after. The fella was losing it – swearing at the top of his lungs, and at one point said,

“This day couldn’t get any worse!!!!”

Matt’s friends continued to play along with the story, that they were just using their driveway to turn around in. They apologized and asked to trade information for insurance, but for some reason the thieves didn’t want anything to do with the police, or insurance companies.

As the guy thief became very angry, Matt’s friends began to get annoyed with his level of obnoxious noise. They grabbed him, forced him to the ground, took his wallet, his keys, and his cell phone. The girl came after the boys, one of them took her arm and twisted it behind her back. While they had her arm behind her back, they ripped off the engagement ring from her finger taking some skin with it in the process. By the time the boys were done with our unfortunate thieves, they with pretty banged up and upset. They ran back in their house while at the same time screaming out profanities, and threats of revenge.

The boys jumped in the truck, slammed it into reverse, and finished caving in their car a few more times. They drove off and met Matt and our daughter at her apartment. She took all of my watches, and my wife’s engagement ring (after removing the skin from it….yecchhh) and put it back in our house.

Matt, and his two friends went to the ball-game that night and had a great time re-living the exciting events. Laughter was abundant, but I was not happy to hear that they had even approached these unfortunate thieves. A simple license plate number and address would have sufficed.

Anyway, we got our stuff back, and couple of young thieves had a REALLY bad day.

Kenneth Johnson
Calgary, Alberta
Canada

P.S. – the police contacted us a couple of weeks later to let us know that they had no news regarding our stolen property. I told the police that we were not worried about it any longer, and we told the insurance company that our stuff was just cheap and replaceable. We have not recieved a check from them yet.

Welcome to WFS Financial

2007-09-11T10:21:00.001-07:00

WFS Financial products and services are becoming very popular due to their customer service quality. Here is a little blurb on their corporate mission.

Wachovia Dealer Services, Inc., the sixth-largest auto finance company in the nation, is a subsidiary of Wachovia Bank, N.A. In addition, Wachovia Dealer Services is the number one used car lender in the nation. With 48 regional offices serving 46 states across the country, we provide a broad credit spectrum of lending to the auto, RV and marine industries. Commercial, real estate and floorplan financing and an array of banking services are available to dealers through Wachovia Bank. We also offer competitive refinancing programs directly to consumers.

Wachovia Dealer Services has established relationships with over 14,000 auto, RV and marine dealers, a consumer loan portfolio of $22.8 billion and a commercial loan portfolio of $4.1 billion through Wachovia Bank.

At Wachovia Dealer Services we are committed to exceptional service. If you have any questions, please call us at 800-289-8004. Personal service is available to you Monday through Friday, from 5 a.m. to 7 p.m. PT.

You can use the phone number for contact. It’s the latest number we’ve been able to find as of this writing.

WFS Financial Products & Services

2007-09-11T10:16:00.001-07:00

We’ve been seeing allot of information these days for WF Financial products and services. Becoming very popular due to their customer service quality. Here is a little blurb on their corporate mission.

You can use the phone number for contact. It’s the latest number we’ve been able to find as of this writing.

Bad Credit Auto Loan Research (online)

2007-08-03T03:45:00.001-07:00

Bad credit auto loans are hunted for online more than any other kind of bad credit loan. Due to the fact that owning a reliable vehicle is paramount many Americans need bad credit auto loans. If you or someone you know has ever experienced bad credit or bankruptcy you understand the frustration of trying to acquire reasonable financing.

As the creditors and lenders in the United States begin to compete even more aggressively they are opening doors for people with bad credit. We have been online for some time now and pride ourselves on providing solid information to our visitors.

Being a writer for www.lazerloan.com has forced me to research bad credit auto loans online and contact banks via phone. I have implemented my own methodology sift through the online finance businesses one by one. What I found was a handful of time tested merchants who come across with the funds more than their competitors.

Key to us recommending the lender, (credibility given), is their web site has to have a quick and painless form to fill out. The shorter the better. I use a program called roboform for all my form filling tasks. Do a search on Google for Roboform and you'll find it straight away.

Bad credit auto loans permeate the landscape of online finance but this does not mean off-line. Most borrowers look at their hometown bricks and mortar banks and car dealers first. If they can't get help from these people then they hit the online world for their bad credit auto financing.

What Most Health Insurance Companies Claim

2007-07-22T21:04:00.001-07:00

Health insurance premiums are filed with, and regulated by your State’s Department of Insurance. Whether you buy from a local health insurance agency, or directly from the health insurance company, you'll pay the same monthly premium for the same plan.

This means that you get the advantages and convenience of purchasing your health insurance plan through pretty well any health insurance company and know that you're getting the best available deal.

By combining the knowledge of a neighborhood agent with the broad experience and comprehensive understanding of a leading online health insurance source, most health insurance companies are able to offer their customers the following benefits.

Best Prices. Health insurance rates are filed with and regulated by your state's Department of Insurance. Whether you buy from your local agent, or directly from the health insurance company, you'll pay the same monthly premium for the same plan.

Large Selection. Because most health insurance agencies offer plans from multiple insurance companies in your area, they can offer a broad selection of health insurance companies and plans, which allows you find the plan that best fits your needs. In fact, most health insurance companies can provide a quality online source of health insurance for individuals, families and small businesses.

Excellent Customer Care. The licensed health insurance agents and experienced representatives that staff most customer care centers will help you make the most of your money with professional, unbiased advice.

Fast Processing. Most health insurance companies offer the fastest way to apply for health insurance because many of the plans offered on their web sites can be submitted and signed electronically, eliminating the need to manually print and mail applications. This reduces average processing time significantly.

Pro Travel Network Advantages

2007-07-19T12:29:00.001-07:00

Here is a quick post on the advantages of working with the Pro Travel Network.

1^st advantage of being a Pro Travel Network member: You get to set your own hours and work out of your home. No boss, no alarm clocks, no hassles.

2^nd advantage of being a Pro Travel Network member: You get to travel like the pros with all the perks and discount travel fares. You get to take fam trips because you are a Pro Travel Network Agent.

3^rd advantage of being a Pro Travel Network member: You are self-employed so you get to write-off any travel expenses you have, a portion of your bills, your mortgage or rent, or almost anything under the sun

4^th advantage of being a Pro Travel Network member: You have no cap, or limit, to how much money you can make. You can make ALLOT of money with PTN, and the sky really is the limit.

5^th advantage of being a Pro Travel Network member: Your Pro Travel Network is EASY to grow quickly as the benefits are easy for people to see. Creating a team is not a problem becuase it’s still a new revelolution in the travel industry.

See the Pro Travel Network Blog (PTN FREEDOM) for more information.

MyFSA Web Site for Student Loans

2007-07-15T09:43:00.001-07:00

Found this post regarding the MyFSA, and thought would be a good addition to the Just Money Honey quest of good financial information for good Americans. ;-)

If you require some good information on the student loan business, and how you can better yourself, we highly recommend checking out the MyFSA web site. You will find EXCELLENT content, and great advice before you decided to venture in the direction of procuring a student loan. Below is some excerpts and links from the MyFSA web site.

There is information there if you are looking for a basic good credit student loan, as well as, great information on getting fast bad credit student loans.

What is MyFSA?

MyFSA is your personal portfolio. When you create your account, we will provide you with a MyFSA account in which to store all your information.

How do I access MyFSA?

You can access your individual MyFSA account at anytime by simply logging on with your user-name and password. You will only have access to MyFSA if you create an account. The reason for this is the information you enter is highly confidential and must be password-protected. Once you create your account you will automatically have your own MyFSA account and anytime you return to this site you will be able to access it with your user name and password.

How do I use MyFSA?

To access MyFSA, you must first login to the site. Once you login, the different MyFSA sections will be visible to you in the left column of the screen. Any information you save in the site will be displayed in MyFSA. To go directly to a particular section of MyFSA, you may click on the corresponding link for that section.

What is in MyFSA?

Applications

Once you begin an application, MyFSA will track where you stopped entering your information and will link you to all applications in progress. It will also provide the date and confirmation number of your submitted applications.

Colleges

Any colleges you add to MyFSA will be stored in and accessed through this area. These colleges will automatically be used in worksheets and tables calling for colleges. You may add or delete colleges from this list at anytime.

Profile

The information you enter about yourself will be stored in your Profile. Make sure to keep your information as accurate and up-to-date as possible. The Profile will be used to fill in your applications automatically and search for potential scholarships that match your profile.

Financial Aid

You may store and access any scholarships, loans, and cost of attendance information saved in the Financial Aid Wizard. This section of MyFSA uses the schools from the Colleges section above to calculate approximate costs.

Event Calendar

You may access your personal or college events on a daily, weekly, or monthly basis.

Careers

Once you have completed the Self Assessment and Career Finder, any careers or majors that have met your specifications can be stored and accessed here.

Planner Output

Once you have completed the Student Planner, your results can be stored and accessed here.

Who has access to MyFSA? Is it private?

The only way to access MyFSA is with your individual user-name and secret password. We will only provide your information to third parties if you indicate that you would like us to do so. We recommend you read our privacy statement.

Getting Car Loans After Bankruptcy

2007-07-13T08:04:00.001-07:00

Read up Your Credit Report

Before you start applying for a car loan, treasurer's check out your credit report and make sure all your accounts are in order. It is not especially after a bankruptcy to see open pay that should be closed, which hurt your credit rating.

While pregnant at your credit report, consider adding a page explaining the situation that convinced in your bankruptcy. If there were reducing circumstances, managers may approve you for a greater rate pharisaical under dull conditions.

Explain Your Situation

Car loan applications will ask if you have ever declared bankruptcy and why. This is your chance to explain what led up to the situation and what steps you have taken to resolve your credit situation. Be sure to incriminate improvements in your financial history too.

Plan Your Car Purchase

Before purchasing a vehicle, fix what you can afford in a pump car loan payment. This will help you decide which financing package is best for you. In a walk the loan amount and length of payments will determine your quarterly payments, so there is flexibility in determining which ministry you can afford to control.

Consider Refinancing

Once you are approved for a car loan, keep your eye on future refinancing. By making singular payments on all your bills, in a year’s time you could qualify for significantly lower interest rates. In par-three golf years, you can uncover your credit version to near excellent and qualify for even lower rates.

Use A Car Loan Lender

Car loan managers make their money by finding you a loan. Car loan capitalists work with several bankroll* partners to back loans with all kinds of credit risk, including bankruptcies.

Online publishing car loan lenders perform with mountain* of loans, and can usually complain you a better deliver than your discriminative car dealerships. Online publishing car loan lenders will send you a check when you are approved, basically making you a pre-approved car loan buyer.

Citi-Bank Student Loans Web Site

2007-07-08T23:34:00.001-07:00

This bit is regarding Citi-Bank’s student loans, and their online presence to some degree. They do Parent Federal PLUS loans, Federal Stafford loans, and Graduate Federal student loans.

Citibank has a quality web site for students to help them prepare for college and figure out what they need in terms of a student loan for their books, rent, tuition, and living expenses.

Citibank student loans provide much more than just the loan. Although this is an important part, after all you need the money to help with your education; they also provide a great deal of information about planning for college, paying for your college education, how to go about applying for a student loan, what you need to do about repaying loans and information about managing your account with the bank.

Since Citibank provides so much information about student loans we will focus more on the front end portion of student loans and that is what do you need to do to get ready for college and paying for college.

Citibank will walk you through the following topics to ensure that you are ready for a loan and ready for college. After all if you are successful, then you are probably going to pay your loan back to them on time. They cover such subjects as "what colleges look for", "how to chose a school?", Saving for School"," College Planning checklists" and much more.

Part of getting ready for college is doing a budget so that you know what college will cost and how much you need to borrow on your student loan. They cover loan products, special offers and just plain information about financial terms as well as financial aid options that you may consider. Check out Citibank's web site for other information about student loans.

5 Home Improvement Loan Points

2007-07-08T23:12:00.001-07:00

This article is from Jessica Peterson, and lays out 5 good points regarding home improvement loans. Found this over at Loanspoke.

Home Improvement Loans Fixed

Do remember that on most home improvement loans the fact that the loan has to be used for making home improvements is one of the contract’s clauses. Therefore, you may be required to show proof of the improvements you are going to make like constructor’s plans, designer’s plans, etc.

Any other use can result in the cancelation of the loan program and the payments becoming immediately due. Therefore, be careful and read the contract thoroughly.

Home Improvement Loans & Equity

Home improvement loan don’t necessary require equity but unsecured home improvement loans are too expensive when compared to home improvement loans based on equity. Therefore it is always advisable to obtain a home equity loan for home improvements. These loans use the available equity on your home to secure the money borrowed and since the money is used to improve the property that will be used as collateral, qualifying for these loans is a lot easier.

125% Home Improvement Loans

These loans let you use 125% of the value of the property as guarantee of repayment. Thus, even if you don’t have enough equity on your home, you can still obtain these loans. The idea is simple: the money will be used to improve the property which will in turn raise its value making more equity available and with few monthly payments, the accumulated debt (mortgage plus home equity loan) will equal 100% of the value of the property and so, both lenders will be fully protected.

Requirements For Approval On Home Improvement Loans

Home improvement loans, especially those based on equity are very easy to qualify for. The risk involved in the transaction is very little. The chances of default are greatly reduced and in the event of default, repossession assures the lender that he will recover the investment. Therefore, a moderate credit score and history will be enough; there is no need for your credit to be good or perfect.

Only serious delinquencies like bankruptcies or defaults can ruin your chances. Other than that, your income needs to let you afford the payments with ease. There are no further requirements because as the loan is used for improvements, it raises the value of the property which is the asset guaranteeing repayment.

Home Improvement Loans Nature

What makes a loan a home improvement loan is the use that the money receives. This use can be a condition for the loan approval and thus there are penalties that can be applied if you don’t comply with that requirement. However, those home improvement loans that are unsecured are actually personal loans and the use you give to the money is really up to you. They are just promoted as home improvement loans to attract customers but those loans are nothing but personal unsecured loans.

Jessica Peterson writes finance articles for Yourloanservices.com where she shares her knowledge about how to get money for a starting-up business, consolidating any kind of debt, repairing a home even with a bad credit history and more.

Article On Respecting Your Credit Card

2007-06-22T10:40:00.001-07:00

Video is someone getting harrassed by a credit card company, and the article is about how to avoid that happening to you.

Credit cards are really powerful tools when used properly and with respect. Customers can usually start out with a credit limit of $500. Once they establish a record of making their payments on time and paying their balances off when required, the credit card companies will usually increase these limits.

It is quite common to have a $5000 dollar limit on a credit card, while some business accounts will have much larger limits to account for higher transactions. Movie stars have been known to have an unlimited balance on their cards.

The trick to all credit cards, regardless of the limit you have and the other features you have with the card, is to pay your balance off each and every month. If you run an unpaid balance at any time, most credit card companies are going to charge interest on the unpaid balance and the interest rate will be much higher than normal personal loan rates.

In some cases the credit card company will charge you interest from the time that the item was charged to the card. Consumers can end up paying a great deal of interest. If you have only paid the minimum payment, you may find that the majority of this payment went towards the interest charged for the month and very little actually reduced the balance on your credit card.

When you receive your statement, among other information on your statement will be the due date. This is the date the credit card company must receive payment and credit it to your account, otherwise interest will be charged. Notice that they must receive it before or on this date.

If you make your payment on the due date and send it by mail or send it electronically, they will not receive the funds for a few days and the funds will not be credited to your account. Technically you are over due and you will be charged interest on the unpaid balance. Always try to send the payment a few business days in advance of the due date, taking into account weekends and holidays.

If for some reason you are unable to make your payments on time or you need to only pay the minimum payment for a few months due to cash flow issues, consumers may want to consider a small personal loan. Personal loan interest rates are usually much lower so more of your money will go towards reducing the loan when you make a payment.

Often the same lender that provided the credit card to you will be happy to provide you with a personal loan as well. Consumers will find this approach quite convenient since payments are processed more quickly.

In summary try to pay the full balance off on your credit card on or before the due date to avoid high interest rate charges. If you will not be able to pay the full amount for a few months, consumers can also consider a small personal loan at a lower interest rate as an alternative to paying high interest rates on their credit card.

When You Default On Payments….

Getting a Student Loan Privately

2007-06-19T09:20:00.001-07:00

This is just a small article on private student loans. You can see the video on student loans at the bottom of the article as well.

Private loans for students who need to fund their studies is an important educational loan product.

The advantage of a private student loan is that you can see banks and lending institutions compete for your student loan by making your interest rates and payment terms at competitive levels.

Private lenders can often disperse you your university education money sooner than Government student aid programs. Getting your college degree funding privately may be the best option for you.

Learning what line of study to embark on is one concern but where to get tuition money is stressful.

Common eligibility criteria for Private Student Funding includes:

- you have to prove that the student is a U.S. citizen or that you have been living in the states for over two years.

- you have to able to show you have a steady income and if you are self employed show business records for over 2 years

- proof of enrollment at college or university

Depending on which private loan provider you use the above lending criteria will apply to all students including graduates and undergraduates. Government financial aid for students often does not provide enough money to cover all on campus and off campus expenses.

The constant rise of tuition and school fees has made it very expensive for students hoping conclude all their studies in peace. What I like about getting a student loan privately is you can negotiate payment schedules and payment term with more ease.

Related Video on Student Loans

Online Car Loans

2007-06-17T09:00:00.001-07:00

Online car loans are promoted with extreme vigor. The competition is stiff and the webmasters of the world are all working feverishly to compete for the first page results of the major search engines.

There are many different finance merchants pitching online car loans who grapple to sign super affiliates all over the world. Most of you reading this are probably not interested in the world of online affiliate marketing but I want touch on this industry. Without the affiliate marketing world of savvy webmasters the online auto finance companies would be making far less profit.

One of the amazing things about this industry is how internet savvy hobbyist have entered the arena of big business and online car loans. The relationships built between the affiliate marketers and the banks are strong as both parties have so much to gain together.

This symbiotic relationship continues to grow. When anyone is considering the prospect of online car loans, they are well served to do some reading on the subject. The best place to start is your favorite search engine. See what the rates are at all the merchant websites for online car loans.

You'll want to see which online car loans come the easiest and with reasonable interest rates. Reading an article or two like this one is also good. People are now starting to learn that the internet is safe for making large transactions and giving personal information.

There will be many more people going to internet for their online car loans in the future. In fact I have never even heard of a scam that was involving online finance companies. The only information I have seen that is questionable for online car loans is the promise of guaranteed car finance.

Related Video – Borrowing Online

More On Federal Student Loans and Sallie Mae

2007-06-16T15:17:00.001-07:00

Another article on Student loans, and in particular, Sallie Mae student loan. You might dig the video as well.

Little piece here in Sallie Mae student loans, plus an acompaning video called,”Get The Hell Away From Sallie Mae”, in which a girl is trying to get rid of her financial burden to Sallie Mae. Sorta interesting.

College students today are lucky. When scholarships savings aren't enough students today can get various types of student loans.

As students proceed through college student loans do not have to be paid until the student graduates from college or quits.

Using a private loan can be extremely expensive to pay back at a high interest rate. To ease the burden on students upon graduation Federal student loans are available.

Private Student Loans vs. Federal Student Loans

The best thing to do is get a Federal student loan. Federal loans have lower interest rates and are readily available to students. Private loans are more expensive to pay back and are not recommended if they can be avoided.

The reason Federal student loans are so available is because graduates of college will usually make a lot more money than other people.

This gives the lenders confidence that their money will be repaid. The top education student loans are available through Sallie Mae.

Sallie Mae Student Loan

Sallie Mae is a financial institution than handles Federal student loans. Student loans given are from the government or Federal sources have more favorable terms than private loans.

Sallie Mae offers a combination of student loan options that can meet the type of financing needs of a student all in one place.

For example, the Federal Stafford loans are the most common. They have a fixed rate and low interest. These student loans are very available to undergraduate students.

To receive this loan the student must be attending an accredited school at least half time. The Stafford loan is the most common student loan used today

Generally speaking, student loans are easy for students to receive. Because of their fixed rates and low interest, the Federal Stafford Loan is the recommended one first.

A student loan can make the difference for students to graduate from college so more students are able to complete college today than anytime in the past

Janie Jenkins is the "Easy To Do" instruction expert. Discover how easy it is to do what seemed like your most complicated ambition. Easy To Do Student Loans

Finding Auto Loans for People with Bad Credit

2007-06-14T17:11:00.001-07:00

Finding auto loans for people with bad credit is practically an art form. What I mean is that, times change. Practises and policies of US finance companies change like the wind and you need a crystal ball if you want to be on your game.......if you ever want to find REASONABLE auto loans for people with bad credit.

I have found a website that came as a life-saver to say the least. Not only can they find you the loan you need, they can keep the interest rates still reasonable. Quite a feat, if I don't say to myself. ;-)

One of the common issues when finding auto loans for people with bad credit, is the constant need to be up to date. As I mentioned above, the ongoing task for me is to make sure the links I provide go to finance companies (and brokers) that are constantly at the industry edge.

I have found a few online sites that are invaluable in this matter. Right now we are featuring a broker style site that charges a very small fee and they find the best interest rates on auto loans for people with bad credit.

I encourage you to apply through this site. There is no middle man cost to my visitors. As in zero, nota, nill, zilch, none. That is worth repeating. No middle man cost if you apply for an auto loan here.

I pride myself on providing the most reasonable, hassle free finance companies and their user friendly websites, that deliver auto loans for people with bad credit. Times have changed in a biq way since the days of the sweaty meeting with the intimidating banker. You can apply online now and get an answer back in just minutes.

I have used many resources in tracking down (and keeping track) of resources regarding auto loans for people with bad credit. You may want to click to our home page and bookmark this site for future reference. Many visitors like to surf around for awhile, before they make a decision on the best place to get their auto loan.

Student Loans Information - Video To Pay Off Student Loans

2007-06-05T10:49:00.001-07:00

Good article on student loan re-print rules, and the changing industry of student loans. Great video of a guy trying to pay off some of his student loan using You Tube.

Allot is changing in the student loan market this past year, and college lending companies are having restrictions put upon them. This piece regards pre-printing rules of student loan applications.

Story…

Borrowers looking to take advantage of the Student Loan Consolidation Program are finding it more difficult to complete the application as lenders no longer have the ability to pre-print the loan information.

Cut your monthly student loan payment by up to 60%

The National Student Loan Data System (NSLDS) is the US Department of Education's central database for student aid. It houses data received from schools, guaranty agencies, the Direct Loan program, the Pell Grant program, and others. Due to some recent policy changes, access to the system has been suspended for all lenders and NSLDS can no longer be used to determine the eligibility of a consolidation loan borrower.

Therefore, unless you already know all of your loan information, lenders can no longer check on your behalf. Fortunately, there is another option.

By using the FAFSA pin number assigned by the Department of Education, you can create an account in NSLDS, where you will have viewing rights of your own Title IV Federal loans. This information will help you complete the loan section on the application and affirm your eligibility for the Federal Consolidation Program.

The process has become more in depth for the borrower, but the benefits far outweigh the additional work involved. The Federal Consolidation Program offers a low, fixed interest rate, with additional interest rate reductions available.

Click here if you forgot your FAFSA pin number.

Click here to retrieve your loan information in NSLDS.

Student Lending Corporation is available to answer any questions you may have pertaining to this free, federal program. Our highly trained loan counselors are available to assist you from 10 am to 9 PM Eastern Time, Monday thru Friday and can be reached toll free at (800) 982-3588 for your convenience.

Student Lending Corporation site http://www.studentlendingcorp.com

Semi-Related Video…Creative Way to Pay Off Student Loan
Note: Loanspoke is, in no way, related to this young student.

Columbia University Settles On Student Loans

2007-06-01T16:36:00.001-07:00

Columbia University has reached a settlement with New York State's attorney general over student loan practices that will require the school to pay $1.1 million into an educational fund and submit to monitoring of its financial aid procedures.

Columbia and the financial aid officers' national association also have agreed to abide by New York's code of conduct for lending practices, New York Attorney General Andrew Cuomo said Thursday.

Two more lenders have agreed to abide by a code of conduct designed to protect students. (April 25)

Separately, the Federal Trade Commission is looking into student loan company marketing tactics, according to a letter released Thursday by the chairman of the House education committee.

Loan sharks on campus
"We are actively assessing whether lenders are making deceptive claims," FTC Chairman Deborah Majoras said in the May 31 letter. "In addition, we are evaluating whether other laws that the FTC enforces are being violated."

Congressional and state officials have been examining the $85 billion student loan industry for months, with investigators alleging conflicts of interest and payment by lenders of kickbacks to curry favor with college officials.

New York has now struck agreements with at least 25 schools and five student loan companies as part of its investigation.

The FTC has formed an intra-agency working group focused on concerns about private student loans, according to the letter, which was addressed to committee Chairman George Miller, a California Democrat.

Under Columbia's settlement, the school will pay $1.1 million into a borrowers' education fund, and submit its financial aid procedures to monitoring by Cuomo's office.

"The agreement signed with the attorney general specifically states that Columbia University does not admit, and expressly denies, that it has violated any law in connection with its student loan practices," New York-based Columbia said in a statement.

Columbia also said it "has moved quickly on a number of reforms now contained in the agreement with the attorney general."

The National Association of Student Financial Aid Administrators (NASFAA) also agreed to abide by the code and to submit to five years of oversight measures, Cuomo said.

Columbia said last week that it had dismissed its director of financial aid, David Charlow, after regulatory filings showed he promoted a student loan company in which he had a financial stake.

Those filings showed that Charlow sold shares in Education Lending Group, the former parent of Student Loan Xpress, for a gain of more than $100,000. Student Loan Xpress is now a unit of CIT Group Inc. (up $1.00 to $60.93, Charts, Fortune 500)

At a news conference in Manhattan, announcing Thursday's settlement, Cuomo said his office's probe of the aid official was continuing.

"There is an ongoing investigation still with the individual at Columbia University," Cuomo said. "This individual is not part of this settlement."

Charlow's attorney, Harvey Kurzweil, declined to comment Thursday.

[Source College Savings Advice]

Money Board Game Changes To Credit Instead of Cash

2007-05-29T17:02:00.001-07:00

Hasbro is amending their popular financial board game to include charging a credit, or debit card, instead of using cash.

Read more….

Recently, Hasbro the toy manufacturer announced that later this year it will launch a new edition of its classic, The Game of Life. The new version, called Twists & Turns ($35), will replace play money with a Visa-branded card. Players insert their cards into a gizmo, called a LIFEPod, that keeps track of each player's finances so there's no need for a banker.

As Matt Collins, Hasbro's vice-president of marketing, explains, "We knew it was time to reflect the way people choose to pay and be paid -- and replacing cash with Visa was an obvious choice."

Well, it's not obvious to me. I'm a big proponent of using board games to teach children about money, and the classic Game of Life has always been a family favorite. It covers a lot of territory: careers, college, mortgages, insurance, taxes, stocks and dividends. And it lets kids feel the pleasure of collecting a salary, or the pain of paying for college, by piling up or depleting their stacks of money.

Plus, the player who's designated to be the banker has to count out each player's cash, pay salaries, collect fines and make change -- a painless way for kids to hone their math skills.

For all those reasons, using a card just doesn't cut it -- especially when that card is advertising a company's logo to 9-year-olds, the game's target audience. And -- yikes! -- Monopoly may be next. Hasbro has already introduced a cashless version of the game in the United Kingdom.

The adults who dream up these things say they're just trying to prepare kids for a cashless society. But they make the mistake of thinking like grown-ups instead of children.

A cashless society may be a great thing for credit-card issuers, online retailers and adults who use plastic as a convenience. But kids see the world in more concrete terms. Although the Visa Life card isn't labeled a credit card or a debit card or a prepaid card, the distinction is lost on youngsters.

To kids, plastic of any kind isn't as real as money they can see and feel. With a cashless society looming in their future, teaching children to manage hard currency is more important than ever.

Readers of this column know that I've been on this crusade for a long time. Two years ago I wrote that giving kids credit cards is like letting them use drugs early so they won't turn into addicts (see Kids and Credit Cards Don't Mix).

But I'm not alone on my soapbox. There's plenty of research to back me up, and I'll write more about that next week.

[Source Kiplinger.com]

Related Video…Hasbro Game of Life

4 Credit Cards That Chase Bank Offers

2007-05-28T13:21:00.001-07:00

Here is the short version of the Chase credit card products that are currently available for American consumers.

All Chase credit card products have an APR that is a 0% introduction on balance transfers and purchases. All cards have 0% annual fees except the Chase Perfectcard which has a $19 dollar fee minimum. Below is Chase's description of their cards. There are four Chase credit cards offering different credit products:

Credit Card #1 - The Chase Cash Builder Card = earns up to 2% cash rewards for your purchases when you use your card

Credit Card #2 - Chase PerfectCard = earn rebates on all gas purchase when you use your PerfectCard

Credit Card #3 - Chase Platinum = Purchasing power with superior customer service

Credit Card #4 - Chase Platinum for students = designed to help four college students jump start the financial future.

Read the small print below for your credit card research (I've blown up the small print for you)

* The introductory rate will be maintained for the term of the introductory offer as long as you make at least the required minimum payments on your account when due. Otherwise the regular preferred pricing rate will take effect from your last statement closing date.

** No annual fee first year. Thereafter, the $20 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year at Marathon retail locations.

† No Annual Fee the first year the account is open. $19 Annual Fee thereafter, but the fee is waived if 9 purchases are made in the prior year.

‡ No Annual fee first year. Thereafter, the $20 annual fee will be waived if at least nine (9) purchase transactions were made in the prior year at Speed way retail locations.

Funniest Master Card Priceless Commercial

Online Boat/Marine Loans

2007-05-24T14:14:00.001-07:00

From the old article archive of Auto Loan 4u

Apply for online boat loans with a reasonable financial merchant - good credit boat financing, credit score 625 boat finance, or bad credit boat funding and get a yes answer back in minutes. We scour the internet for reasonable financial companies that provide good and bad credit lending. They all have excellent rates on good credit boat financing, credit score 625 loans and bad credit boat finance. Even if have a credit score of 625 or less, you can find the funding you need.

Even for a boat finance charge with a credit score of 625 or less. These select few lenders I have chosen excel when it comes to delivering hassle free bad credit boat boat financing, and bank boat financing. Qualifying for boat finance is a snap online. Whether you are looking for small boat financing, or classic boat financing. You'll get an answer back in ten minutes usually, and at the very latest twenty four hours.

Best Interest Rates for Boat, Seadoo, and Rv Financing

Some visitors come on my site to get help with financing a boat, or find the best rates for boat funding. Others want to finance boat motors or seadoos. Some need used boat owner financing. Some have bad credit and need "credit score 625 loans". Whatever your needs are, you will find the best of the best, in my boat finance directory below. I wish you well on your quest for boat loan financing and bad credit boat finance.

Before I sign off I should mention that the bank/ fund providers are not in abundance. The boat and rv loan industry is very small online. You will notice that as you surf for the best interest rates and flexibility.

Don't Borrow Money For These Reasons

2007-05-24T13:27:00.001-07:00

This is a good 5 piece bit of info on borrowing money for all the wrong reasons. Good financial advice to heed. Take a close read of bad borrowing item #3. There are many pitfalls when borrowing money. If you can, try to only borrow when you buy a home or car. Even better, forget about the car and borrow just for the house or condo.

I. Borrowing to invest - Taking out a loan to invest is not a good idea. "In the late '90s we saw a lot of that and people got really burned. But people tend to forget," Petote says. Of course a caveat is borrowing to start or grow a business, where thoughtful consideration has gone into the expenditure and the borrower is sure the return on investment (ROI) is there. "That's typically the way I see clients use debt to create wealth," he says.

II. For the tax deduction – One of the things that drives me crazy is when people say they took out a home equity loan because they needed a deduction. What I ask them to do is put a dollar on the table and I give them back 30 cents. That's exactly what they're doing. Paying a dollar to get 30 cents back, 25 cents back, depending on the deduction." He says tax deductibility should be a secondary or tertiary benefit and stresses the importance of enlisting the advice of a trusted tax professional before making decisions.

III. To defer debt – Using your home equity to consolidate debt, without committing to a change in lifestyle could spell disaster. Petote says that with credit card debt the worst you could do is hurt your credit rating, but if you consolidate credit card loans into a home equity loan, your house is on the line. Consolidation to get a lower rate is a viable option only for those absolutely committed to stop using the credit cards. He cautions: "People aren't honest with themselves. They think 'I'm going to do it this time,' just like they'd say 'I'm going to lose weight,' and on and on." Even the best intentions can fail. Consolidation is not a stopgap measure. Stop spending more than you earn, no ifs, ands or buts.

IV. Buying from wish list - Buying a boat with home equity creates negative wealth. "Generally you don't build wealth by borrowing money. If you're the lender, that's how you build wealth," Petote says. He opts rather to look to build wealth over a lifetime, saying that people who have lot of money typically haven't used much debt. If you want it, save for it.

V. Borrow using a balloon or interest-only loans - Interest-only loans or loans with balloon payments are generally marketed to people who are looking to buy more home than they can afford, says Petote. He warns: "If you're stretching it and only paying interest, when you go to refinance and throw principal in there too, you will really be in big trouble. Or if you don't have a strong cash flow or money available, you will run into problems when that balloons." Pay on principal. It's in your best interest.

[Via Bankrate.com]

Related Video…

Treasury Department Scolds Lenders

2007-05-24T09:23:00.001-07:00

Story on a Treasury Department official who verbally went after subprime lenders for their risky lending tactic.

Story…

A Treasury Department official on Wednesday scolded mortgage lenders for failing to verify the income of borrowers with blemished credit histories, blaming the practice for rising defaults and foreclosures.

Comptroller of the Currency John C. Dugan said federal banking regulators need to give the industry guidance for improvement in this area, though he did not offer a specific remedy.

"Sound underwriting and, for that matter, simple common sense suggests that a mortgage lender would almost always want to verify the income of a riskier subprime borrower to make sure that he or she had the means to make the required monthly payments," Dugan said in a speech to a New York housing group.

"But the norm appears to be just the opposite," said Dugan, whose agency regulates nationally chartered banks. "Nearly 50 percent of all subprime loans last year accepted stated income," meaning the underwriters did not verify the information provided by borrowers on loan applications.

Federal Reserve Chairman Ben Bernanke said last week that the central bank is considering tougher rules to reduce abusive home loan practices even though he believes the economy should escape without significant harm from the problems in the market for subprime mortgages, or loans made to borrowers with shaky credit histories.

In March, the Fed and the other four federal agencies that regulate banks, thrifts and credit unions _ including the Office of the Comptroller of the Currency _ proposed guidelines that call for strict evaluations of a borrower's ability to repay, among other recommendations.

The guidelines, which would affect big lenders such as Countrywide Financial Corp. and Washington Mutual Inc., have not yet been made final. The Fed plans a mid-June hearing on ways to curb abusive lending practices.

Lenders catering to home buyers with shaky credit have seen a spike in defaults on payments in the past year, and more than 30 subprime lenders _ those catering to borrowers with shaky credit histories have gone bankrupt this year. Major lenders have tightened standards for borrowers since February, when parts of the mortgage market fell into disarray.

RealtyTrac Inc., an industry research firm, said last week that mortgage lenders foreclosed on 62 percent more U.S. homes in April than a year ago.

Home prices are slipping too. The national median existing single-family home price in the first quarter was $212,300, down 1.8 percent from a year ago when the median price was $216,100, according to the National Association of Realtors. The median is a typical market price where half the homes sold for more and half the homes sold for less.

Dugan's speech came one day after trade groups representing mortgage bankers and brokers traded barbs over who should be blamed for the housing market's woes.

The head of the mortgage banking industry's trade group claimed mortgage brokers and lenders focused only on short-term profits benefited from the housing boom, but didn't do enough to examine whether borrowers could repay.

Harry Dinham, president of the National Association of Mortgage Brokers, replied by saying that, because most residential mortgage loans are quickly resold to investors, most lenders are actually "just brokering the transaction but afraid or ashamed to admit it."

Shares of Countrywide gained 22 cents to $41 in morning trading, while those of Washington Mutual dipped 18 cents to $43.90.

[Source Google News]

Related Video…