Real Estate Agents Only – New Marketing Tool That Is Causing A Buzz In The Real Estate Industry

Every 10 to 20 years there will be some major advancement in technology that is a game changer. 20 years ago email was the craze with all of us flocking to our computers setting up email accounts and communicating with family, friends and business clients.

Today the same thing is happening again with Text Messaging. It’s been around and most people have heard of text messaging although they may not have actually texted.

Let me put the power of text messaging in perspective for you. We all can agree that in our life time the internet is without a doubt the greatest technological advancement any of us has seen. There are 2 billion computers worldwide…that is truly impressive. Now let me share this fact with you there are over 4 billion mobile phones worldwide that means there are more than twice as many phones as computers. Text Messaging is on the verge of becoming larger than the internet!

On these phones we send over 52,000 text messages a second and our phone has become an extension of our hand (literally). We sleep with our phone, we go to the bathroom with our phone and if we leave the house and forget our phone we’ll turn around and go get it!

Here is the power of text messaging 97% text messages are read, 83% within the first hour. For the real estate agent that mean instant communication can be attained with all your clients interested in a listing immediately.

Face it traditional advertising is not as effective as it once was. TV is expensive and consumers TiVo their favorite shows skipping commercials. Radio is difficult to track, Newspaper readership is down and newspapers are going out of business daily. Direct mail and hard copy print have extremely low response rates something like 1 to 2% and get this 60% of Yellow Page phone books are thrown away before the plastic cover is taken off.

With a mobile media product real estate agents can have a tool that allows them to communicate instantly with their customers and prospects on the item they carry with them 24/7…their mobile phone. For real estate agents – if you are not communicating via mobile, you are not communicating effectively with today’s consumers.

I hope this information has shown the power and benefits of having a mobile media marketing campaign implemented in your advertising model. Many agents across the country have benefited from this outstanding new technology.

Military Members Need Fast Cash Too

Military members have the same needs as ordinary citizens and are as exposed to complicated financial problems and emergencies as we are. Moreover, the family members of military have a greater risk of losing a parent or spouse and therefore are subjected to serious financial complications. Thinking that it’s easier for military members to manage their family budgets is far from truth, because they may face the same situations like the rest of us and could face an urgent need in fast cash.

That’s why many military members use payday loan service shops as a source of quick finance solutions. When used properly, payday loans can provide a good aid in complicated financial situations. However, there are some differences between civilians and military when it comes to the rates of the shirt term loans. When ordinary people receive a cash advance it can come with a high price tag, resulting in a $40 fee for a $200 loan. The military are protected from such situations by the federal legislation, which sets a 36% interest rate cap on cash advance for military and their family members. This means good savings compared to three-figure APR percentage reported in the majority of cases with civilians.

This interest rate cap was introduced recently to minimize the influence of payday loan shops on military members. Cash advance providers have used the military as one of the main sources of their revenue and you could see numerous shops established around military facilities all over the countries. With many military members facing debt while using fast cash services inappropriately the officials felt that things had to be changed. And while some states have completely banned cash advance services to military members on their territory, the federal law has provided a more flexible regulation to the issue.

You have to keep in mind that only the military and their family members are subjected to that interest rate cap. Some individuals have already tried to use this advantage but were unsuccessful. To use the 36% advantage a person has to prove that he or she is military or a family member to military. This usually requires additional paperwork when opting for cash advance, the documents being closely studied at the cash advance center. Keeping a good credit rating is important for military members and it is a matter of national security for the government to protect them from financial risks in a flexible way.

1000 Dollars Cash Advance For Folks With Poor Credit

Without any loan collateral, instant loans undeniably expose more high risk for the loan provider, as a result they come with higher debt interest fees. However they are still quite cheaper than credit cards, and that is why many folks use fast loans as repayments on cards having expensive interest charges.

The basic problem of fast loans is the high cost concerned when the borrower has problems repaying the loan value without delays. The fast accumulating loan interests can easily result in the total loan sum to become very large above your initial expectations. Some end up with poor credit history from getting payday loans and perhaps you have also heard similar occurrences from your relatives or/and friends.

The easy availability of no credit check loans with bad credit can be a very enticing hook. Even though it can be a simple way to solve any financial issues, but do practice carefulness. Fast cash payday loans have to be taken for the right settings and not for buying flashy cars and the latest iPhone etc. Whenever you ponder on seeking a instant cash loan, make sure you have available spare cash to make bill payments and repay these high cost debts by the repayment deadlines.

Cash advance loans definitely no long term loans. In fact, they should not be considered for any big bills exceeding $5000 or 30% of your gross income, whichever is smaller. Restrain from seeking more than one payday loan correspondingly. You should probably seek credit counseling for support if you find yourself relying on instant loans persistently.

After experiencing real experience with the wrong route of borrowing from loans, some people then realized the value for bank account and the efficiency of debt consolidation programs. Everybody can repair a good FICO score if they are willing to make changes in their current shopping habits. converting the many holiday budget to repay fast cash loans is a sure win method to improve your personal credit report.

An Outline of Personal and Business Loan Categories and Their Uses

The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

  • Personal Loans

Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

  • Business Loans

SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are usually from large corporations or a bank. The lease term can vary from one to
five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.

Plimsolls Can Be Your Best Purchase in Shoes

There are several kinds of shoes available. In the market, there are different brands available that produce shoes. While making the purchase of the shoes, people prefer many different things like quality, comfort, style and many more things. However, the selection of the shoes often becomes difficult and confusing. Therefore while the shoes are selected preference must always be given to the purpose for which the shoes would be purchased.

The Plimsolls can prove to be a good purchase. These are wonderful pair of sneakers that can complement well with any kind of outfit. These shoes are suitable for all seasons especially for the summers.

The Plimsolls are extremely comfortable in the sense that they are made with extremely good quality materials. The soles of these shoes are generally made of rubber. In fact the simplicity of the materials with which these are made help to reflect the extreme fashion and style.

These shoes are available in not only wide varieties of styles but also in several colour combinations. Some of these shoes are available in different colours like purple, black, white, turquoise, yellow and many more. These shoes can be worn even without the socks.

Though originally these shoes were made only for the athletes yet now they are made keeping in mind the needs of all people. Now they are used by common man as well. They can be worn in any occasion with any kind of outfit.

Though the Plimsolls are a wonderful brand they are quite inexpensive. Compared to the facilities that it offers the prices are really cheap and are indeed worth the purchase. These are perfect for people of any age groups and are designed to provide absolute comfort to the feet. Since these are stylish as well they can cater to all the requirements that are looked for while the purchase of the shoes.

If you have not yet purchased the Plimsolls till now you can definitely give a try to it. It can be a great addition to your collection of shoes and the value of these shoes would prove to be worth the purchase. These are durable to a great extent and can last for a long period of time. Once you purchase a pair of these shoes you would not have to be worried about the investment in the shoe.

The outstanding styles, the amazing designs, the availability of these shoes in wide varieties can really make you look outstanding and make you stand apart from the rest of the crowd. So what are you waiting for? Purchase fast.

How to Stretch Your Travel Budget With a Discount Car Rental

A self-drive holiday may sound hopelessly exorbitant if you’re on a tight budget. People tend to be discouraged by the idea of renting a car for a long period of time, imagining that it will eat up their entire travel fund. However, it’s actually easier to obtain a discount car rental than some people would imagine, especially in these financially-conservative times.

Car rentals are a business, after all, so making a smaller profit by renting out unpopular cars is better than making no profit at all. Most of the time, discounts can be found online. As such, the internet is a good place to start when looking for affordable rentals and a car rental discount code or two, but print media shouldn’t be discounted either. Prices may vary between different agencies, so it’s prudent to compare the finer details of each deal before settling on a particular one.

Timing can be everything when it comes to obtaining a discount car rental. As with some airlines in Asia, car rental agencies offer early-bird discounts if you book a car much earlier in advance of the actual date of your pick-up. Additionally, cancellation of the booking if you find an even better deal elsewhere will not incur extra costs either as long as it’s done early enough. Conversely, the shoulder period of a travel season, that is, just before or after peak travelling time, often sees car rental companies competing to outdo each other in their attempts to rent out any remaining cars. It’s possible to obtain a good rental deal at this time, but the choice and quality might be limited.

While car rental discount codes are extremely useful is helping you obtain a more affordable rental, although this might be subject to questionable quality. You might also want to consider the size of the car you want, especially if your group is a small one. Smaller cars tend to cost less to rent, and you’ll probably pay less for fuel too. As an added bonus, you’ll definitely have no trouble parking a small car.

Bathroom Remodeling Idea Makes Bathroom Repairs Easier

Bathroom repair is easier with access panels

Soon after I had remodeled my small bathroom it developed a water leak. The first thing I knew about it was a puddle on the floor of the room below. A water pipe was leaking and it was buried in one of the bathroom walls which not only made it difficult to find out where the leak was but a lot of ceramic tiles had to be destroyed to get at it.

When I asked my bathroom contractors why they didn’t make it easier to get at the new pipe work they said that it would have made my quotation too expensive so they just buried the pipes and hoped that they don’t give any trouble. It was just my luck then that my bathroom was the one where they made lousy joints. The bathroom repair turned out to be far more costly than it would have been to make all the pipes accessible in the first place and I wish now that I’d had the foresight to put that in the specifications.

Where to put access panels

The obvious solution to the bathroom repair problem is to provide access panels for all of the pipe work joints and as much of the pipe length as possible. When you specify what you want in your bathroom remodel make sure that you will be able to get at every joint easily.

Where the water pipes are installed in a separating wall it’s often convenient to provide access on the other side of the wall rather than inside the bathroom where the ceramic tiles are. You may even be able to turn the access into a small cupboard, which would give you an added benefit. Opening the cupboard doors would provide simple access to the water pipes.

Pipe work under bathtub and under floor can be made accessible by removable panels. Make sure that the floor covering allows for this and a suitable sealer is used to fill any gaps when the access is closed.

If the access panel has to go on the bathroom side of the wall then special attention to waterproofing will be required.

How to make access panels in ceramic tiles

To accommodate a radiator in my bathroom remodel the contractors built a false wall to hide the pipe work. This wall was then set with ceramic tiles and the radiator mounted in front of the tiles. This pipe work has not leaked but I do wonder what I would do if it ever did.

Tiling a small part of the false wall separately on a removable section could have provided an access panel. This would then be screwed firmly to the main part of the wall and the edges sealed with a silicon-sealing compound. The screws would pass through the tiles so silicon sealer would be used to seal the screw heads and holes in the tiles. When the need arose the sealer could be stripped away and the panel unscrewed. Resealing when the problem was fixed would be just as easy.

For more bathroom remodeling tips take a look at this article on setting bathroom tiles:
Setting Ceramic Tile Made Easy

How to Stretch Your Travel Budget With a Discount Car Rental

A self-drive holiday may sound hopelessly exorbitant if you’re on a tight budget. People tend to be discouraged by the idea of renting a car for a long period of time, imagining that it will eat up their entire travel fund. However, it’s actually easier to obtain a discount car rental than some people would imagine, especially in these financially-conservative times.

Car rentals are a business, after all, so making a smaller profit by renting out unpopular cars is better than making no profit at all. Most of the time, discounts can be found online. As such, the internet is a good place to start when looking for affordable rentals and a car rental discount code or two, but print media shouldn’t be discounted either. Prices may vary between different agencies, so it’s prudent to compare the finer details of each deal before settling on a particular one.

Timing can be everything when it comes to obtaining a discount car rental. As with some airlines in Asia, car rental agencies offer early-bird discounts if you book a car much earlier in advance of the actual date of your pick-up. Additionally, cancellation of the booking if you find an even better deal elsewhere will not incur extra costs either as long as it’s done early enough. Conversely, the shoulder period of a travel season, that is, just before or after peak travelling time, often sees car rental companies competing to outdo each other in their attempts to rent out any remaining cars. It’s possible to obtain a good rental deal at this time, but the choice and quality might be limited.

While car rental discount codes are extremely useful is helping you obtain a more affordable rental, although this might be subject to questionable quality. You might also want to consider the size of the car you want, especially if your group is a small one. Smaller cars tend to cost less to rent, and you’ll probably pay less for fuel too. As an added bonus, you’ll definitely have no trouble parking a small car.

What are E-Cigarette Cartridges?

Electronic cigarettes are available in many different styles such as mini, pen style, cigar style, traditional cigarette and much more. Those using ecigs report that they find the device to be much better in helping them quit smoking than other quit smoking devices. They give the same kind of sensation as that of smoking a traditional cigarette, but without the side effects.

How do electronic cigarettes work? They have a battery which is used to work an atomizer. The atomizer heats up the nicotine cartridge that vaporizes when the device is switched on giving off vapor-like smoke that dissolved in the air quickly, but which gives a same feeling as taking a drag on a traditional cigarette.

E-Cigarette cartridges contain the nicotine solution that vaporizes when the device is activated. The vapor when inhaled gives the same sense of satisfaction as that of smoking a traditional cigarette, but without the side effects. Those using ecigs report that the device mimics a real cigarette to the T’ and that they did not feel like smoking so often or getting back to using their usual pack again.

E-Cigarette cartridges are available in different flavors. You can find the traditional cigarette flavors such as Marlboro or Camel and there are also a range of non-nicotine flavors such as menthol, melon, strawberry, pepsi, champagne, orange, lilac, whiskey and vanilla. Nicotine solutions are available in different nicotine dosages such as 68 mg/ml, 1014 mg/ml, 1618 mg/ml, and 2054 mg/ml.

When starting out on ecigs, user begin with a nicotine solution that has a higher level of nicotine level because they feel more like the traditional cigarette brand that they have been using so far and then reduce the nicotine level. There are electronic cigarette cartridges available with zero nicotine levels.

Instead of opting for refill nicotine cartridges, you can refill existing cartridges by yourself. Open the cartridge device and use a paperclip to remove the liquid container from it. Add juice to the container using a dropper and do not overfill. Make sure that the cartridge is filled correctly. Push the container back into the cartridge device, which is to be placed into the atomizer.

ECigsUnlimited provides a range of e-cigarettes and electronic cigarette cartridges at the most reduced rates. You can find them in different styles along with a range of accessories that can be used to enhance device usage.