Whether home mortgage, auto finance, or personal loans, the online loan world is a competitive place these days. If you surf the Internet very often, you have no doubt noticed the high level of web site advertising that takes place from unheard of financing shops to well established banking firms. Salesmen hiding behind the code of slick web site design and functionality swarm you with offers you can’t seem to turn down. Home mortgage brokers come flying at you from everywhere offering you lower than market value mortgage rates.
Auto lenders promise instant approval and the chance for those with bad credit to own the car of their dreams. Most consumers cannot become experts on the intricacies of online financing, but there are several things you can do to ensure comfort and security in the quest
for an online loan.In days past, your best option was to stop in at a local bank to chat with with a loan officer. You could take the best rate you could get or compare with other local institutions. This option of researching through meetings and phone conversations could be time consuming. Thanks to the proliferation of ecommerce, you now have the option of securing a loan with thousands of lenders, all competing with each other to offer the best “eloan.”How do you select the best loan offering out of thousands? Borrowing for a business, home or car is a serious financial commitment for most to make and you are likely to want to make it with someone reliable. This is more than possible to accomplish online. You won’t get a customary smile and hand-shake and you may even miss out on the free T-shirt; but you do get lots of choices and plenty of online data you can use to make your decision. There are many online loan sites which are highly reputable and provide the best services a customer could hope for, but there are others that will trick you with hidden costs that may not become evident until later.When going out mortgage shopping on the Internet, you could do a comparison on the various loan rates, features and reliability. After you gather a list of lenders for serious consideration, begin your work:-Perform a search on your favorite search engines to spy out what kind and how many negative articles and reviews have been written about the company’s online loan practices. For example, you could perform a Google search for “Company Name Review” or “Company Name Review Negative” and see what turns up.-Investigate the reputation and credibility of the company web site by performing a directory lookup or check an online map to confirm their physical address.-Examine the lender’s track record. A check through the Federal Trade Commission (FTC) web site at http://www.ftc.gov may give you a good idea about how worthy your lender is.-Apart from the FTC, you could also confirm if the lender’s web site has been reviewed by TrustE. If TrustE approves of the company web site, the home page of the online loan site will carry a familiar TrustE seal.-Make sure the site you consider submitting your loan application to is secure. The additional ‘s’ in ‘https’ indicates the use of a secure protocol. Most sites that ask customers to submit personal information use the Secure Sockets Layer to encrypt the data submitted. PayPal is one example of a site using SSL.-When you log on to any online loan site to submit your loan application, look at the address field of your browser and notice if the company name appears in the domain name like:
http://www.companyname.com. If the URL supplied to you resembles something like [http://www.domainname.com/loans/companyname], you may want to double check the identity.In making an important transaction like this online, it’s always best to opt for a little extra caution. The “better safe than sorry” cliché is an understatement when picking a loan site. If you take the right smart steps and do the correct research, you may just end up a little wealthier.

Borrowing money is as American as apple pie. Americans borrow money to purchase houses, to finance automobiles, and to pay for luxury items on their credit cards every day. It is a rare individual that can pay all cash for their house, their car, or their credit card bill every month. The U.S. economy thrives on credit because of the recycling of cash when these purchases occur. America is an economic powerhouse, partly because collectively we borrow so much money to have things today, instead of saving the cash to buy these items some day, if ever, in the future. Economic theorists are of the opinion that when you purchase a house, the cash recycles about seven times: to the realtor, to the title company, to the mortgage broker, to the lender, the butcher, the baker and the candlestick maker, and so forth.We live in the land of opportunity. You do not need a college degree or pedigree to become an entrepreneur. All you need is the ability to organize, manage, and assume the risks of a business with a sufficient amount of cash to fund the business.Borrowing money is the American paradigm for success for individuals and for businesses. According the American Heritage Dictionary, a “paradigm is:1. One that serves as a pattern or model.2. A set or list of all the inflectional forms of a word or of one of its grammatical categories: the paradigm of an irregular verb.3. A set of assumptions, concepts, values, and practices that constitutes a way of viewing reality for the community that shares them, especially in an intellectual discipline.Usage Note: Paradigm first appeared in English in the 15th century, meaning “an example or pattern,” and it still bears this meaning today: Their company is a paradigm of the small high-tech firms that have recently sprung up in this area. For nearly 400 years paradigm has also been applied to the patterns of inflections that are used to sort the verbs, nouns, and other parts of speech of a language into groups that are more easily studied. Since the 1960s, paradigm has been used in science to refer to a theoretical framework, as when Nobel Laureate David Baltimore cited the work of two colleagues that “really established a new paradigm for our understanding of the causation of cancer.” Thereafter, researchers in many different fields, including sociology and literary criticism, often saw themselves as working in or trying to break out of paradigms. Applications of the term in other contexts show that it can sometimes be used more loosely to mean “the prevailing view of things.” The Usage Panel splits down the middle on these nonscientific uses of paradigm. Fifty-two percent disapprove of the sentence The paradigm governing international competition and competitiveness has shifted dramatically in the last three decades.”For more dictionary information please see: The American Heritage® Dictionary of the English Language, Fourth Edition Copyright © 2000 by Houghton Mifflin Company.
Published by Houghton Mifflin Company. All rights reserved.What does this have to do with accounts receivable financing?Banks exist primarily to loan money to people and businesses, on a safe and sound basis according to federal banking regulations. The banking paradigm for businesses involves offering checking and savings accounts to take money in, and offering various types of business and personal loans to “get the money out”. Their goal is to make a profit on your cash for the bank. To qualify for these loans you have to prove, to the bank’s satisfaction, that you have the clear and present ability to repay these loans. If you are a startup company, a company that is growing very rapidly, or an established company that is affected by a sudden negative event, the banking paradigm may not work for you. Perhaps, you need to think differently; perhaps your perspective is “inside the banking paradigm box” and you need an alternative.What is inside the box thinking? According to ‘Thinking Outside the Box’? By Ed Bernacki Published April 2002:”Thinking inside the box means accepting the status quo. For example, Charles H. Duell, Director of the US Patent Office, said, “Everything that can be invented has been invented.” That was in 1899: clearly he was in the box!In-the-box thinkers find it difficult to recognize the quality of an idea. An idea is an idea. A solution is a solution. In fact, they can be quite pigheaded when it comes to valuing an idea. They rarely invest time to turn a mediocre solution into a great solution.”Mr. Bernacki distinguishes “inside the box” thinking vs. “thinking outside the box” as follows:”Outside the Box
Thinking outside the box requires different attributes that include:o Willingness to take new perspectives to day-to-day work.o Openness to do different things and to do things differently.o Focusing on the value of finding new ideas and acting on them.o Striving to create value in new ways.o Listening to others.o Supporting and respecting others when they come up with new ideas.Out-of-the box thinking requires openness to new ways of seeing the world and a willingness to explore. Out-of-the box thinkers know that new ideas need nurturing and support. They also know that having an idea is good but acting on it is more important. Results are what count.”
If your B2B business does not have enough bank credit to expand at the rate you need, or if your B2B business cannot take advantage of growth opportunities because of lack of funds, you may need to think differently: think outside the box. Think of using the virtually unlimited financing that is available from accounts receivable financing.To think differently, you may need to overcome the two most common “inside the box” concerns regarding accounts receivable financing.Objection: “Our customers will not want do business with our company if they know we are dealing with a commercial financing company to finance our accounts receivable”.Think Differently: Accounts receivable financing allows you to offer credit terms, like the bank. Many businesses prefer to resell your products or services and earn a profit before they have to pay you for your product or service. Accounts receivable financing generally involves notification to your customers of the arrangement to “manage” your receivables; and verification from your customers that your product or services were “satisfactory”. From your customer’s point of view, someone in their account’s payable department is changing the “pay to” portion of their check to the address of a commercial finance company. Usually the check is cut payable to you and sent to a P.O. Box of the commercial finance company. In certain situations, notification may not be required at all; this is called non-notification factoring.Objection: “Accounts receivable financing is too costly”.Think Differently: Accounts receivable financing is a paradigm for success; you will have the necessary working capital you need to fulfill larger orders by accelerating your cash flow. You will need a gross margin of 20% or more, in general, for this type of financing to make economic sense. There is an inverse relationship between the cost of financing and the size of your credit facility: the larger the credit facility, the lower the cost. In other words, the fees and rates will be less for $500,000 per month than for $25,000 per month.The bottom line: Accounts Receivable Financing- Think Differently! is intended to help you think “outside the box” and become more profitable. One tried and true paradigm for achieving this result as an entrepreneur with a B2B business is accounts receivable financing.Copyright © 2007 Gregg Financial Services

If you are very much concerned about the latest health news and would not want to miss out a thing about the daily developments in the health sector, it would be good idea for you to subscribe to online magazines about health than those magazines that comes out once a month.As hundreds of scientists, doctors and researchers continuously try to find better ways to improve the health of human beings, new methods of fighting diseases and staying healthy is being published almost every day that if you wait for a month to get your health magazine, you may miss out on some of the most exciting discoveries.
As you may already know, developments in the health sector is often very rapid that the health news of last month may no longer be as relevant as today.Some of the best sources of information andhealth news are
online news channels, the medical websites and other reliable sites
run by notable organizations that are into healthcare.You can subscribe to some of those electronic newsletters that feature health news. Just make sure that the electronic newsletter that you subscribe to is reliable otherwise you will end up with bogus health news that will not really do you any good.If you do not really care about getting information about the daily progress of some important developments in the field of health, and you just want to enjoy reading about the new discoveries, you might want to stick with those health magazines that feature the most important discoveries of the month.These types of magazines have reliable health news that is informative and easy to understand for everyone.www.preferedforms.com

The century we live in has seen some of the most astonishing and sensational changes when it comes to technology. For a layman, these advancements may seem extremely challenging to grasp. This doesn’t come as a wonder because with all the inventions in the field of technology, it has become quiet complicated. However, the aim behind all this is to swiftly enhance the user experience and make their everyday lives better. The talk of the town lately has been the amazing Li-Fi technology. Although a lot of people still aren’t aware of it, there has been a rising curiosity to find out about its application and benefits to an ordinary user. Whether it will grow out to be as popular as the Wi-Fi is still a matter of speculation. However, it is certainly a mighty step in the right direction and would have a great influence if it runs successfully. To move a step forward in technology, let’s find out more about the Li-Fi technology.What is it?For many, this is still a huge question. The most common explanation you’ll come across is that this advanced technology is claimed to be many times faster than the Wi-Fi. Simply put, the Li-Fi technology is the wireless optical networking technology. What makes it super special is that for the data transmission, it uses the light-emitting bodies, commonly known as the LEDs. Li-Fi will make use of the LEDs quiet similar to what it’s like at your homes and offices. For optical data transmission, a chip will be used to make it function properly. The data through this technology is transmitted through the LED bulbs and the photoreceptors receive it.What is the Need of Li-Fi?Many of us are sufficiently satisfied with the Wi-Fi that connects us to the world and are anxious to find out why we need Li-Fi. It has been open to criticism since quiet sometime specially because of the convincing argument that in order to transmit data, light can be limited in comparison to the radio waves. However, the usefulness of this technology should not be restricted to this drawback as there are many reasons of investing in this form of technology.The most important aspect to consider here is the opportunity to access a much faster internet. It transmits signals multiple times quicker than your ordinary broadband connections. This means that during the peak times, you won’t have to face the misery of gaps or interruptions with the connection. The speed can dramatically change the ways we access internet and can totally revolutionize our lives. Another amazing benefit of using this technology is that it is cost effective. Light is the source and it is something we’ve been using for all of our lifetime. It is also an energy efficient way of using our technology. This is because the LED bulbs have won their reputation globally for being energy efficient. On the bright side of life, your broadband bills are going to vanish as well!

There is a bizarre phenomenon in the realm of existence, and this rule applies in every area of life.There is something that goes on, even beyond humanity, to the birds in the skies, the animals over the ground, to the creatures in the sea, even to plant life. Something links at all, and that something is communication.Our very being here,bodily and spiritually,is communication.We are communicating constantly. Even when we are not communicating we are communicating, for in our non-communicating we communicate perhaps some of the most powerful messages. These are usually messages of inference and assumption – the promulgation of untruth.In our humanity, silence, for one instance, communicates volumes. It can communicate exclusion, derision, abandonment, the fact that there is no relationship, and it can suggest even love, but not usually. We normally associate silence with something negative.We are still communicatingwhen we’re not communicating.When we break connection we often force people to either second-guess our relationship with them, or our motives, or we get them to question the very future that we might share together, or not, as the case may be.And yet, we may have decided for good reason to break connection. Perhaps there’s been a toxic relationship formed that we need release from. The only way to do that is to stop communicating. But it is always nice if we can communicate with clarity what our intentions are, so the other person can commence their grieving. If they continue to beckon for our attention, avoidance is the only way of enforcing a communicated boundary.This issue gets very practical in our electronic world when we don’t receive replies to the e-mails or the text messages we send. It’s the same when people don’t get a response from us. It’s quite normal for people to think that we have forgotten about them, or that we don’t care, when we don’t respond in a timely fashion, or we don’t respond at all. Perhaps we’ve all thought that, ‘looks like they don’t like me anymore,’ and, ‘what have I done wrong?’It would be a useful prayer, in our electronic age, to ask God every day:’Lord, show me what I’m communicatingnegatively through failing to communicate.”Lord, reveal to me what I’m communicatingthrough my silence.”Lord, help me to know, also, how to keep my peacein situations where I ought to be silent.”Lord, give me ways of refraining from speakingwhen I ought to remain silent.’There are times when we don’t communicate out of choice, for good reason, but we should make it clear to the person we’re not communicating with as to why we’re ceasing contact. Say it once and never feel the need to go back.In other cases, the choice not to communicate is possibly passive aggressiveness. That’s never good. It would be better to have the conversation required to resolve the conflict.In some other cases, it just so happens we’re distracted, like the photo suggests, by myriad other abstractions.Sometimes technology takes the focusthat human beings ought to occupy.We have the opportunity to reflect how much technology replaces real communication; that our reticence to connect, because we’re so ‘plugged in’ to our device, speaks in deafening tones of our relational ambivalence. And this occurs in familial relationships as much as anywhere.In not communicating, we’re often communicatinga message we should not wish to communicate.

The puzzle in 2014 and 2015: where to invest to make money investing if you can’t make money in stocks or bonds without taking undue risk? I’m not playing the role of cheerleader here; because finding where to invest money if stocks and bonds both get hit will be a challenge. This could happen, so let’s look at our options.For the past 30 years or so, investors both large and small could make money investing most of the time, if they simply invested in both stocks and bonds (about equal amounts in each). How will investors make money if both stocks and bonds are taken out of the equation? Let’s look at both how this could happen and where to invest if it does.In the late 1970s through the early 1980s investors did not make money investing in bonds or bond funds. In fact, losses of 40% to 50% were not uncommon in long-term bond funds. Why? Interest rates climbed – peaking in 1981. Since then rates have fallen, hitting record lows. Memorize this: you make money investing in bonds and bond funds when rates are falling. You lose money when rates climb. With interest rates threatening to go up in 2014, the question is where to invest money without taking on considerable risk.Since the early 1980s, stock losses have often been offset, in part, by the steady performance of bonds. Don’t expect this to happen if interest rates continue to climb in 2014 and beyond. Looking at stocks, you might make money investing in stocks going forward, but not without accepting considerable risk. Look at the stock market’s record since the year 2000: two brutal bear (down) markets produced 50% losses. Since the end of the last bear market (about 5 years ago) the stock market has since gone up over 150%. That begs the question: where to invest money when (or before) the next bear market hits.Believe it or not, the average investor has more latitude in terms of where to invest money than the giant investors (like pension funds and insurance companies) do. For example, a pension fund must make money investing (about 8% a year on average) in order to meet certain obligations. So… what are your choices if you decide to lighten up in stocks and bonds?Unlike some giant investors, you can play it safe with a large part of your money; and wait for future opportunities in both the stock market and bond market. You will hardly make money investing safely at current interest rates, but you shouldn’t lose money. Keep in mind that each of the last two bear markets in stocks produced losses of about 50% and lasted for less than two years. Then stocks rallied and went on to make all-time highs. When stocks get cheap, that’s where to invest money.Another option is to invest money in alternative investments like gold, natural resources like oil and natural gas, other commodities like copper and aluminum, or foreign investments while cutting back a bit on stocks and bonds. If you don’t know how or where to invest in these markets, look for stock mutual funds that specialize in these areas. Let them handle the investment details for you.If you want to be proactive, there is a third way to make money investing or to offset losses if or when stocks and/or bonds turn sour. Where to invest money to offset bond losses: an exchange traded fund like TBT (stock symbol) is designed to go up in value as bonds fall. Where to invest money to offset stock losses: inverse exchange traded funds (like stock symbol SDS) are designed to go up when the stock market falls. Both of these examples offer financial leverage of 2 to 1.The truth of the matter is that it is not always a given that you will make money investing. Frankly, I think that 2014 and 2015 could be a real challenge, and your first goal should be to avoid heavy losses. The answer to where to invest isn’t that simple when neither stocks nor bonds look attractive. At least now you know your options.