Archive for September, 2010

online credit card payments?

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Question : online credit card payments?
On the 16th I made an online payment on one of my credit cards (paid it off) was told that the payment would be credited to my account on the 19th. I am still waiting. Is there a certain time of day it would be credited by?

Im thinking maybe they want to hold off on crediting the payment so the can collect that last bit of interest.
online credit card payments

Best answer:

Answer by FatGuy
these things are all done overnight. check again on the 20th.

credit score?

4

Question : credit score?
I’m sure you all have heard that people with poorer credit score file more claims, or not as good drivers. There is no such resources that anyone can see to prove this theory. We have to take the word of the insurance companies or the state. If there is such resource, please let me know. I have theory about credit score. 1) Insurance companies prefer people with better credit score because they are less likely to switch companies and shop around, hence worth more to the company. Funny, how when Colorado House rejected the ban on credit score, two insurance trade groups issued press releases, saying it was good for the consumers, yet they never talk to the consumers, they only represent the insurance companies. So we know using credit scores is good for insurance companies, but is it really good for consumers? What do you think?
Can you tell me more about the data from choicepoint. What is the source of the data? They may have used data from choicepoint, but I don’t believe choicepoint created the data to show people credit score affects your rate. I wasn’t even aware choicepoint knows your credit score, or cares.
Insurance commissioners in all 50 states have reviewed the data? First, are you sure credit score is used in all 50 states? Second, why would the vote be 17-26 in Colorado, did 17 people not see the data, or did they read it and think it was propaganda.
I don’t have bad credit, just thought it was an interesting question.
trade credit insurance

Best answer:

Answer by nycratkiller
i agree 100%

Will it be difficult to promote myself as a financial planner on a part time basis?

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Question : Will it be difficult to promote myself as a financial planner on a part time basis?
I want to do financial planning on a part time basis. I have a decent career in banking that I’m not ready to walk away from. I have the right academic credentials for financial planning, I have a masters in finance, undergraduate in business and a certificate in personal financial planning. Still if prospects ask I don’t plan on misleading them. I will tell them My full time job is in the general finance area of banking but my academic background is well suited for financial planning. Do you think it will be difficult to obtain business without being on a full time basis?
financial planning certificate

Best answer:

Answer by Sam T
best way for you to sell yourself as a financial planner is success stories, it doesn’t matter how book smart you are, unless you have a great portfolio yourself and doing well with no debt except for your house, no one in their right mind should hire you.

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Get quick and easy cash advance company instead of a small business loan

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Today’s economy and high unemployment

grow most of us to explore the possibility of setting up our own small business. You will manage your own money, there is no risk of redundancy, and is an excellent opportunity to develop your skills in the treatment of its own economy and society to explore. However, some banks are now applying more stringent rules and guidelines for lending. A bad credit history can get you rejected your request for a loan, making it difficult for us, the financial support necessary to start a few. Like all other credit institutions or risk factors should be taken into account before giving you their money will be taken. The services of credit cards that you received and how these services are paid very important information for this company because they will be based on their approval (or rejection) of the application and the interest rate they can give you. However, this can happen to a painful and stressful event.

Fortunately, there is now an easier way to get a loan to small businesses without the fear of their own credit card. Get a cash advance companies is faster and less stressful way to obtain and repay a business loan. A business cash advance loan is a service offered to entrepreneurs who accept credit cards for payment of goods or services. It has a shorter processing time and you can even use the online transaction. This is ideal for money problems, depending on how long you naturally experience of your company. Usually it takes several days to a week to process your application and be approved, transferred the money to your account. Everything you need to do is fill out their form (available online) and qualify for their basic needs.

The requirements are very similar to those of most banks, but your credit history is not set too strict ratings. In fact, as opposed to loans from the bank’s bad credit history is not that big a deal for the provider of the advance. You must be of legal age, have a company in the United States are registered, a small company that processes the credit card for payment, and are in business for at least a year. You can set up the money for a franchise or your own business, a deal to refinance debt, buy new equipment or to pay purchase of goods and reduce debt f or taxes.

The terms of payment of an advance business is of course different from a commercial loan from the bank. But in general terms of payment for the loan service will largely depend on how much money you borrow. The higher the amount, the longer term. For large banks and other lenders, can payment business loans to repay term or short term. The payment of small business loans with banks is generally not more than five years.

The payment terms for economic advance Instant canbe can be performed on a monthly basis, depending on your ability to pay and the amount of borrowed money. Payment will usually you have to pay the advance company each month and you receive the payment structure with the amount they expect to get paid every month can. If you can afford to repay it at once, then all the better.

A business advance is a great way to finance your small business because it is convenient and easy to apply. All you need now is to start a legitimate lender choose advance payment.


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Debt – advice, the best choice for debt relief companies will find

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Business

debt relief that are available over the Internet, have different categories in terms of rates and time intervals. Settlement companies differ in experience. Some debt relief companies are very experienced and reducing credit card debt to them is a simple process. There are situations of regulation, which is above a certain limit. The lower limit for a case of reducing liability ten thousand dollars. Below this limit, users must pay the actual amount in the bank.

The concept of regulation introduced, was once the economic conditions in the United States began to decline. The level of unemployment has increased and people losing jobs at a rapid pace. If the credit card owner saw this, they had an idea that is not for them, their fees with the bank clearly possible. In this case the Government had introduced the possibility for the resolution, may reduce the user connection.

The decrease is due to the discussion for which the cardholder based credit research company, debt relief, and choose a reliable. It is preferred that the user does not select a company without sufficient research. It should show that several companies fit his profile cases and compare them. In the event of a settlement the best company is obvious, and gives users more of a healthy elimination. unsecured liability reduction is a temporary solution and only works if the economic conditions are deleting a decline.

At present the economic situation in the United States in favor of debt relief companies. Users can simply lease companies that help to pay the reduced amount to the holders of credit cards. However, when the general financial conditions to normal, then pay the customer back to what it to the bank with the sum in interest. Currently, banks accept the reduced amount of debt relief companies, because they suffer from poor financial condition.

Get out of debt through a process of debt settlement is currently very popular, but you have to see to know where to get the most powerful programs the best deals. For comparison, debt settlement company, it would be wise to create a network free of debt, consult the most successful companies in your area

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In relation to mortgage loans what constitutes a low credit score?

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Question : In relation to mortgage loans what constitutes a low credit score?
I have been reading lots about the housing crisis and have learned that the loans for new mortgage loans for people with low scores it getting harder to aquire. What constitutes a low score? 600? 590? 650? 625? I am now ready to buy my first house and am finding out that my scores may prevent me from getting a loan.
mortgage loans

Best answer:

Answer by Greg R
Anything lower than 620 is low. You need 720 or higher to get the best rates.

How can I find the names of investment companies that hire assistance to find properties and pay commission?

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Question : How can I find the names of investment companies that hire assistance to find properties and pay commission?
I would like to work for a real estate investment company to find property for commission. I have no information for the names of companies that promote such opportunities.
investment companies

Best answer:

Answer by satarnag
Just hook up with local real estate agents and feed them leads for a piece of their commission. Create a corporate entity and have them 1099 you.

If you’re in Southern California, contact me and I will work with you.

Regards

Secured Business Credit Cards 0 or low interest rate offers. Compare without hesitation

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Credit card companies offer

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You notes that in the promotion, but you will find hidden in the regulations. The credit card companies count on people do not understand or pay attention to these points, but be careful. Until you understand finance, what you get, you can enjoy the best deals on credit cards and savings and build again every four weeks. By shifting the equilibrium interest rate for a credit card to get a new credit card with low interest rates, or O for a year, you can keep a lot of funds and recover your debts. The worthy new business credit card company credit card offers and measure the rate of interest to you.

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