Saturday, October 27, 2012

Solutions And Tips For Getting A Car Loan After Bankruptcy

Getting a car loan after bankruptcy is not as easy it is for someone that has a stellar credit score, but it is not impossible. This news may be comforting to those who have recently had to endure the experience of a bankruptcy.

If you find yourself in the position of getting a car loan after bankruptcy you may feel helpless. It may feel as if any attempts at doing so would be futile. This is not always true! So, put a smile on your face and read on to discover some solutions for getting a car loan after bankruptcy.

Inspect Your Credit Report

The first suggestion would be to collect all three credit reports from Experian, Transunion and Equinox. Unfortunately, mistakes do happen. Comb through each report to be sure the loans or credit cards that were discharged have been removed. If you find mistakes on any of the reports, write a letter of dispute and ask that they be taken off of your credit history.

Another good suggestion would be to send a letter of explanation to each of the three bureaus. Document the reasons for your recent financial fall and explain the situation. Perhaps you had a temporary job loss, or maybe a mound of unexpected medical bills that caused you to file bankruptcy. Potential lenders will be able to read this letter and may be more understanding to your situation more willing to help you in getting a car loan after bankruptcy.

Search for a Subprime Lender

Subprime lenders specialize in helping people with bruised, poor or no credit. Your best bet is to choose a dealership or auto consultant who has experience working with people who have filed bankruptcy. Because of their expertise in this area they have several resources at their fingertips that are willing to give people another chance through a car loan. You can allow them to do the work to find you the best loan terms that will fit for your unique situation.

Go Used Over Brand New

In addition, a dealership or auto consultant may have the best selection of used cars for you to choose from when getting a car loan after bankruptcy.

Research shows that you would be wise to select a used car to avoid the serious, almost immediate depreciation that comes from a brand new vehicle. In most situations the value of your new car drops anywhere from 10 to 30 percent as soon as you drive it off the lot. This is a huge savings for you if you choose a slightly newer model used car.

The final note would to be sure that you stay current on your payments. By diligently paying back the auto loan after a bankruptcy you are beginning a positive trek back toward rebuilding your credit score.

Thursday, October 25, 2012

New Bin Database Lookup Service

The BIN database or bank identification number database is a very important system. The BIN can also be referred to as the IIN which stands for issuer identification number. When you use your debit or credit cards at a retail store there is something that is tracking your purchase. It is the BIN database. How does this work you might ask? Well it works like this, when you receive a credit or debit card your card is issued to you with a series of numbers. The first 6 numbers located on the front of your card is the BIN or IIN. These numbers are important because they let the database know where the card was issued from. This makes for better networking because it allows your transaction to be completed fairly quickly. The last series of numbers located on your card are referred to as the card identification number. The BIN or IIN database makes it harder for credit card scammers to be able to commit credit card fraud. Before the BIN or IIN database it was fairly easy to commit these crimes because the credit card system was not yet sophisticated enough to quickly access the information from the issuer of the card. Nowadays you have the BIN or IIN database to help and monitor these transactions a lot faster than before. If a credit or debit card is reported lost or stolen the BIN or IIN database will suspend the use of the card so virtually eliminating the possibility of it being used for fraudulent purchases.

Now we have access to the BIN or IIN lookup. This is where you can lookup information on a card from simply entering the first 5 digits of the series of numbers located on the card itself. It is perfectly legal because you cannot commit credit card fraud with just the first 6 digits of a credit or debit card. The BIN or IIN lookup is just for indentifying the issuer of the first 6 digits of the credit or debit card that is being looked up. To lookup a particular card you need to do a BIN number search. It is just entering the 6 digits of the card and the BIN or IIN lookup will provide you with the card issuers information, a phone number for the card institution and the card type. This is helpful because you get a general idea of the card that is being used but not enough information to commit credit or debit card fraud. The card identification number is not used in the bank identification number or issuer identification number lookup. This is because it would be a way for scammers to get information about the owner of the card and be able to fraudulently use the credit or debit cards. Using the bank identification number database or issuer identification database is supposed to be a secure way to do a BIN or IIN lookup.

The card identification number is unique to the cardholder themselves. This is the series of numbers followed by the first 6 BIN or IIN that is at the beginning of the card number. The BIN or IIN database uses this information along with the bank identification number or issuer identification number to speed things along when you are purchasing something with your credit or debit card. The BIN or IIN database is rapidly being utilized and very common by the seller and the purchaser. Credit and debit cards are being used more and more each day and we depend on these cards for purchasing products every day.

Tuesday, October 23, 2012

CPA Galveston Area | CPA Near Galveston, TX

CPA Near Galveston, TX - Accountants Near Galveston, Texas

We love being the CPA firm Galveston, Texas can count on. Did you know that Galveston was named after Bernardo de Galvez who served as the viceroy of New Spain? The first significant settlement happened here in the 1816 and our city served as the main port of the Texas Navy during the Texas Revolution. History surrounds you everywhere on our island and Galveston was even once the capital of the Republic of Texas. Galveston, Texas has always been a place you can count on for opportunity. Our CPA firm will help you do it!

Need a CPA near Galveston? Jim Trippon CPA and his team offer comprehensive personal and business CPA services for clients near the Galveston area. Through the latest techniques in business accounting, tax preparation and IRS negotiation we can help you to legally minimize your tax burden and help you keep your business and personal finances on track.

Near the Galveston area, our CPA firm's areas of experience include business and personal tax preparation, IRS dispute representation, IRS penalty and collection settlements, estate planning, litigation support, and consulting on business structure & accounting software. No CPA firm in the Galveston area has ever been more committed to the financial health of their clients than J.M. Trippon & Company CPAs.

Have you tried to find a good CPA near Galveston but failed? Here at J.M. Trippon & Company CPAs, we have helped many clients near Galveston pay less tax, organize their business accounting, survive an IRS audit, complete their estate plan, or file their past due tax returns.

Our CPA services are performed by a committed team of professionals. We understand the needs of Galveston clients. Our founder Jim Trippon, CPA has been helping clients for almost 30 years, has served on the Ethics Committee of the Texas Society of CPAs, and is the author of three bestselling books.

For more information about CPA services near Galveston, please call us at 713-661-1040.

Thursday, October 18, 2012

Credit Loans- Useful Tip Abut Bad Credit Loan Mortgage

Just like everything else these days, if you are going to use a payday loan service you need to ensure that you're going to get the best deal most likely. One thing you have in your favor these days is the number of companies offering these services, hence the competition between companies help to lower the interest rates associated with a payday loan. Just like everything else in today's poor economy, if you create the wrong decision you'll be paying for it for a long time.

If you are searching for information related to credit loans or any other such as wisconsin, life after bankruptcy, free credit score analysis 12 month free credit report or loans with bad credit you have come to the right article. This piece will provide you with not just general credit loans information but also specific and helpful information. Enjoy it.

Payday Loans are expensive to take out, but generally when an emergency strikes, they are required - especially if you've no credit or money in the bank. So, back to the question: Are payday loans worth it? Well, the answer is yes, if you are certain that you may be ready to repay the loan. In short, the opportunity to have a few hundred dollars put into your bank account fast is extremely beneficial when your need is great.

Quick payday loans might sound like a concept that is too good to be true. In fact they are true and they are of critical importance for anyone finding themselves in an speedy financial hardship. With the click of a mouse, you'll get quick payday loans over the Internet, and cash in your bank account sooner than you understand it. This means that there is no longer any need for you to fill out troublesome paperwork or the should find someone with a fax machine to fax the paperwork.

INTERVAL -- Did you notice so far that this article is indeed related to credit loans? If not, go ahead and read on. You will find more information that can help you as regards credit loans or other related debt consolidation canada, consumer, free credit score analysis free equifax credit score or online credit.

We have all been warned against debt. The reasons for this warning are very serious and supposed to protect our financial wellbeing. Nonetheless , it need to be properly explained that certain debt is acceptable. For instance, the vast majority of us would never be able to own a home or a car or start up a business if we didn't have access to credit. The minute you accept allowance you accept a loan and are in debt. It would be true to say good debt is the kind you'll afford to repay. Bad debt is when you can't pay back the cash you owe.

One starting place may also be an overnight payday loan which is short term borrowing from the bank until the following wage take a look at comes in. This can be a comparatively straightforward way to get a loan as, how it is constructed, the payday loan lender is really guaranteed to receive their cash returned rather fast. It's also made faster and easier as now you'll be ready to sign up for these money advances on the internet. When you spend a little while searching around, you will discover heaps of web pages supplying those borrowing.

Many people that searched for credit loans also searched online for bad credit auto financing, equifax, debt elimination, and even transunion credit report agency free credit report.

However, keep in wits that the interest rates that are charged are exceptionally high (exceeds 20% in most cases), therefore always borrow only what you need, and ensure that you pay the company back because soon as you are ready to! The consequences could be disastrous if you misuse this service! Take heed, and all the best!

Sunday, October 14, 2012

Not To Lose Your Wallet And Mobile Phone

It is quite common for people to lose their wallets and important accessories such as mobile phone. Nowadays, majority of people store their most critical data including credit card, ATM card, driver's license, and social security card in a wallet. Likewise, most of the people now use the latest in the mobile phone, and in fact it is more than just an accessory to make and answer calls and may contain in it a number of files, from your most valid business or office information to digital files including music and video files. Hence, it would be quite distressing if any or both of these items are lost or stolen. Here comes the importance of iWallet the high tech cash and credit card wallet launched by Iwallet Corp.

iWallet has been designed in such a way to safeguard your most significant information stored within the wallet, in addition to protecting your most advanced cellular phone. One of the most prominent features of this wallet is that it could be open or accessed only if it recognizes your finger print. In other words, once your finger print is associated with your iWallet, only you could open your iWallet. Thanks to its incorporated biometric scanner. This in turn is beneficial, as it helps you to overcome situations like identity theft and children or someone in your home steal money from your wallet while it is unattended.

As mentioned earlier, iWallet also protects your mobile phone, since it could be paired with selected PDA cellular phones via the Bluetooth Technology. As an outcome, it results in producing an audible alarm, in case if your mobile phone and iWallet is separated by 15 to 30 feet away, thereby alerting you in situations like if you forget or when someone tries to steal your iWallet or mobile phone.

The first of its kind in the world, iWallet is credited to be the only wallet that is developed by the engineers, who work in projects with NASA, and its other highlights are hard case construction and tamper resistant. In short, it could be carried as a portable safe. When it comes to the material used for its making, iWallet is made from carbon fiber and kevlar or fiber glass. Carbon and Kevlar models include Model SC-5144, Model LC-5245, and Model LC-5346. Among the fiber glass models are Model FG-2425, Model FG 2426, Model FG 2427, Model FG 2428, Model FG 2429, and Model FG 2430.

Friday, October 12, 2012

Top 5 Fundraising Tips for Small Groups and Organizations

Anyone who has ever worked with a local group or organization knows that funding is king. Whether a group's budget is used to grant awards, sponsor events, raise awareness, or simply conduct day-to-day operations, raising money is an absolute necessity for the modern group or organization, regardless of its size.
Here, we highlight five fundraising ideas and tips that are designed to help small, resource-constrained groups raise money efficiently:


* Define your supporter set. Before you decide how to go about raising money, sit down and think about whose money you are most likely to be receiving. Whether you end up soliciting donations, selling products, or holding a more creative fundraiser, you will likely raise a lot of your money from a core, loyal supporter base. Ask yourself what your typical supporter does for a living, what they do for fun, and why they care about your cause. Remember, your supporter set probably extends far beyond your group members' friends and family. Once you have developed this "supporter profile," you can do a better job of picking a fundraiser that is appealing to as many potential supporters as possible.



* Know your information channels. How will information about your fundraiser get to your supporters? Does your group have a website? A mailing list? A physical sign somewhere in town? Think about the supporter set that we just defined and consider how your typical supporter learns about new events or activities. Sending information to your group's members is a good start, but how will this information get to new supporters or those who are not yet aware of your group? The dream scenario is to get some attention from the local media. Try contacting reporters at your local newspaper (you can usually find e-mail addresses at the bottom of feature articles) or tip lines of your local news stations. These outlets are often eager to learn more about local events and public interest stories, and your fundraiser might just fit the bill.



* Embrace the internet. These days, it is safe to assume that most of your supporters (and countless potential supporters) spend time online every day. Be sure that you are listed on websites that catalog specific causes, such as Idealist.org. Also, be sure to keep an active list of supporter e-mail addresses. To build your list, add a feature on your group's website for collecting the e-mail addresses of supporters. You can also collect e-mail addresses from everyone who makes a purchase or supports you during your regular fundraisers. With a large e-mail list, you will build a strong channel for getting information out whenever your group has new news (or a new fundraiser).



* Set realistic goals--and accept nothing less. No matter how small your organization is, fundraising is all about numbers. If you know exactly how much money you need to raise, you can determine how much money each group member should be responsible for generating. If your fundraiser is something as simple as a bake sale, simply do the math: how many items at 50 cents each does each person have to bake in order to hit their goal? This kind of logic can be used across any kind of fundraiser. Also, when setting member-specific goals, take a tip from the world of sales and secretly inflate everyone's quota by 10% to 20%. That way, even if 10% to 20% of your members fail to meet their quotas, you will still hit your overall fundraising goal.



* Consider the lifetime value of a supporter. When you ask a supporter to contribute to your group or cause, think about more than the immediate goal. Yes, they may contribute just a few dollars today, but if you add up how much they contribute in their lifetime, the numbers can be staggering. This idea of lifetime value teaches a valuable lesson: losing a supporter is more expensive than you think. When someone decides to stop supporting your cause, you are losing income for every future fundraiser you hold. As a result, you should take special care not to alienate, insult, or otherwise offend anyone in your supporter base. This can happen if your fundraiser sells low-quality products, overcharges for items, or pressures donors too highly. Talk to your supporters and see what kinds of fundraisers appeal to them the most. Usually, a fairly small sample size can be enough to get an idea of what fundraising strategy will be best received by your supporter base.

As these fundraising tips reveal, even a small organization can benefit from a high level of fundraising sophistication. Applying ideas like these across an entire campaign can lead to significantly improved performance. Happy fundraising!

Wednesday, October 10, 2012

Chase Credit Card Options: Recognizing The Best One To Choose

There was a time when a credit card was a luxury item, issued only to those who had very healthy bank accounts. These days, practically everyone has one, with the range of terms, incentives and options on offer meaning there is a credit card suitable for every budget and walk of life. The range of Chase credit card options covers them all.

Whether an applicant for a card is in business, in college or just interested in shopping, the availability of a card that matches specific needs means there is little trouble in getting one. In fact, quick approval processes are standard, and when applying online, approval can be granted within minutes.

But these cards are important financial tools, and the threat of debt means managing them is essential if the cardholder is to keep out of the bankruptcy courts. With Chase credit cards, a variety of benefits and carefully structured terms, help keep financial woes at bay. But what are the right terms and options for your purposes?

What Chase Bank Can Offer

It might seem like the usual marketing blurb to state that Chase credit card options are amongst the best in the financial world. But is not hard to understand why this is actually true when we consider that the Chase Bank offers almost 250 individual credit card packages, divided into 12 different customer categories.

It is, to say the least, an extensive range, allowing the small business owner to get the type of credit he needs, and the college-goer the kind of incentives that make college living a little more affordable. And because of quick approval processes, accessing the right card in times of emergency is no problem either.

Below are some suggested cards for each of 3 types of cardholder, chosen from the list of available Chase credit cards.

For The Shopper

The Chase Freedom Credit Card offers some of the best terms for regular credit card users, with some of the best incentives from amongst all the Chase credit card options. The introductory offer includes a 0% APR for the first 15 months, after which a variable rate of between 12.99% and 22.99% is charged.

After the quick approval processes, the key benefits available include a 5% cashback up to ,500 spent per quarter, and a 0 bonus cash back if purchases of just 0 are made in the first 3 months. Shopping online will earn the cardholder extra cash back benefits.

For The Vacationer

With the United Mileage Plus Explorer Card amongst the list of available Chase credit cards, the most dedicated vacationers can enjoy big benefits. For a start, 30,000 bonus air miles are granted once ,000 has been spent in the first 90 days.

The annual fee is waived for the first year, with priority boarding and bag check in privileges also available. Double miles are available when buying United Airlines tickets, helping to make it a very popular Chase credit card option. The APR ranges from 15.24% on purchases and balance transfers to a 29.99% penalty APR.

For The Business Person

The Ink Cash Business Credit Card is amongst the most popular for small business owners, with a 0 bonus cash back if the cardholder manages to spend ,000 in the first 3 months. But there are more benefits to enjoy, like no annual fee for the first year, 5% cash back on selected categories, and a quick approval processe.

Employees can also get their own Chase credit card, and the interest charged is kept low at just 13.24%. That becomes applicable after the introductory 0% APR for the first 6 months.

Thursday, October 4, 2012

Instant Cash Loans: Important Factors To Keep In Mind

There was a time when talk of getting instant cash loans crossed dangerously into the realm of fantasy. That was the time when traditional lenders, like banks, still ruled with an iron fist and willingly set tough criteria from which they could make the best profits. But the arrival of the internet, and specifically online lenders, has change the situation completely.

Today, it is possible for some lenders to advertise guaranteed loan approval, but how is this possible? Well, the fact is that instant approvals are a reality and a guaranteed approval is too. This is because the approval process has been cut down to a mere few seconds, thanks principally to computer technology.

However, there are still criteria to meet, basic though they might be. And even if bad credit histories are ignored through the adoption of no credit check processes, the likelihood of securing a cash advance loan is extremely high.

Advantages of Instant Loans

Getting instant cash loans has real advantages, especially when time is of the essence and a financial emergency needs to be dealt with. Perhaps a medical bill needs to be paid, or a late mortgage payment reminder. Access to the required funds then, is essential.

And if there are fears over missing loan repayments, they are misplaced. The single repayment is automatically withdrawn from the bank account of the borrower, so there is no risk of defaulting on the loan. And of course, with guaranteed loan approval none of the concerns over application rejection can be put aside.

And since the approval on the cash advance loan takes only one hour, a 10 am application can see cash in the bank by 2 pm. It means that a financial emergency really can be dealt with by the end of the day.

Understanding the Costs

What should be considered carefully before starting the application process, however, is the cost of instant cash loans. The relief securing much-needed funds comes with considerable pressure to clear the same debt in as short a period of time as 14 days. Also, the interest rates that are charged are typically very high.

It is not unusual, for example, for rates between 20% and 35% to be charged. Lenders claim this is acceptable, partly because they are vulnerable without credit checks, and partly because the speed of approval is an advantage for borrowers. Of course, having guaranteed loan approval is essential in an emergency, so the cost can be worth it.

Still, the repayments can cause havoc with the rest of the financial budget. For example, at 30% a ,500 cash advance loan would cost ,950 to clear. When that much is take from one paycheck, it leaves very little over to meet the regular bills.

Choosing an Online Lender

Finding the best loan deal does require searching online. This is essential when getting instant cash loans, especially if the most affordable is to be found. Thankfully, the job is made simpler by comparison websites, which clearly lists and compares terms relating to interest, fees and other charges.

What should never be taken for granted is the promise of guaranteed loan approval. It is important not to be distracted by this feature, and look at the interest rates charged. Make sure to carefully calculated the figures and that they fit into your budget. But still, a cash advance loan is the fastest to access anywhere, so in times of financial emergencies, they are still the best option.

Tuesday, October 2, 2012

How Home Loan Refinancing With Bad Credit Removes Headache From Your Life

As obvious as it might be to state, a home loan is the biggest debt that an individual is like to have in their lives. And since situations can take some cruel turns, suddenly finding yourself struggling to meet financial obligations is not so strange. But that headache can be relieved though home loan refinancing, with bad credit not the stumbling block many expect.

With the economic turmoil that has affected America so badly over the last few years, the instances of mortgage defaults has grown sharply. But, by refinancing bad credit home loans, it is possible to take control of the situation again.

The good news is that refinancing home loans with bad credit is not as complicated, or as costly, as they might seem. Lenders are very open to the idea of refinancing mortgages, since the benefits for them are just as significant. All in all, everyone wins.

How It Works

The basic principal of refinancing a loan is that the original debt is bought out, and the replacement debt is secured on better interest rate terms than the first. So, the mechanics of home loan refinancing with bad credit is that the original mortgage is repaid by a new one. And, because the mortgage is repaid, the credit rating of the borrower is increased too, making the interest rate on the second mortgage lower.

For example, if a home was bought for 0,000 five years ago, then perhaps as much as ,000 of the principal will have been repaid already. That means that the debt remaining is 0,000. By refinancing bad credit home loans, a new 0,000 loan is taken out to pay the mortgage.

But because the new loan is lower than the first, and the interest rate is lower, the repayments on the new 0,000 loan may be 0 or 0 less each month. As far as the lender is concerned, the original debt is cleared (including its interest), so after refinancing home loans with bad credit, everyone really is happy.

How The Borrower benefits

It might seem that home loan refinancing with bad credit is really just replacing one debt with another similar debt. It is easy to understand why this might be the case, but when the details are looked at, the benefits are much clearer.

First of all, the vast majority of us will take out more than one loan in our lifetime, so replacing a mortgage with another is normal. The important factor is that the original debt is marked down as repaid in full. So, refinancing bad credit home loans has a positive effect on credit scores.

Secondly, the battle to meet our monthly obligations can be exhausting and highly stressful. By refinancing home loans with bad credit, we get a lower interest rate on a lower principal sum. So, the pressure is lessened, adding a little extra to cover other bills and debts.

How the Lender Benefits

If interest rates are to fall and monthly repayments are to lessen, how does the lender benefit? Well, home loan financing, with bad credit a factor or not, means that the original mortgage is paid in full, including the due interest.

So, the lender gets their handsome profit through refinancing bad credit home loans. It does not matter if the refinancing deal is from a different lender, not the existing mortgage lender - thought this may result in extra fees.

If the lender is the same, then refinancing home loans with bad credit sees them benefit further because they sell another substantial loan. With all this in mind, it is hard to argue against home loan refinancing with bad credit.