Monthly Archives: December 2016

Archive of posts published in the specified Month

Dec
31

How To Get Approved For A High Risk Motorcycle Loan And Financing

Are you in the market for a motorcycle, but have bad credit and need a high risk motorcycle loan? Well don’t worry the goal of this article is provide you everything you need to know about getting approved for a high risk motorcycle loan.

First you must understand how motorcycle lenders go about classifying you as high risk. On the average, when a motorcycle lender is looking to approve any motorcycle financing they have a much higher cut off in the credit score range than an auto lender. This exists whether you have good or bad credit.

So with that said an auto lender may approve a FICO credit score of 610 as not a high risk, but a motorcycle lender would most likely classify a FICO credit score of 610 as a high risk motorcycle loan and may not offer an approval on it.

There are two reasons for this:

1. Motorcycles are much harder to repossess in good condition than an automobile. As a result of this simple fact, if you default on your motorcycle loan it is a higher risk to the motorcycle lender than an automobile lender because it is much harder to repossess a motorcycle in good condition than a car.

With all the new motorcycle riders entering the industry there is a high incident of some form of minor or major damage on many motorcycles, which translates in to a lower amount per unit a lender gets when they repossess a motorcycle for a customer that chooses to get bad credit over paying for their motorcycle loan. The damage could be from the repossession agency or the actual owner but the simple fact is motorcycle fetch much less at repossession auctions than automobiles.

This simple fact is one reason good and poor credit motorcycle loans are offered at much higher interest rates than a car and has an overall lower approval percentages when compared with cars.

2. The average motorcycle tends to depreciate very fast. Since motorcycles have higher accident rates and there are many people who once they crash do not pay off their loan, this results in higher defaults for motorcycle lenders. This is another reason motorcycle loan rates are higher and motorcycles are hard to get approved for.

Ok, now that you have a background in how a motorcycle lender views a motorcycle loan, let’s look at how you can get approved for a high risk motorcycle loan.

Step one is to really understand your credit report and credit score. Sure if you are looking for high risk motorcycle financing, you probably have had some credit issues in the past. But you never know how those credit issues played out on your credit report until you get a copy of it.

Take a look and make sure everything reported on your credit report is actually true. See every year 1000s of people just like you find creditors made errors on their credit report, which negativity impacted their credit score. If your …

Dec
30

You Can Get a Personal Loan After Bankruptcy

Having survived bankruptcy, you may think that your world is topsy-turvy. Well, that is not exactly true. Your declaration may leave an indelible mark on your credit history that is hard to entirely escape, but remember, you are not the only one. Over 250 thousand bankruptcy declarations are filed every three months in this nation. Many of these are due to the economic and financial turmoil the global economy that has dealt us all some hurt this last half-decade.

Joblessness, Illness, Bad Luck

The unemployment rate, perhaps poor health, or just plain old bad luck, have caused many to become behind on important monthly obligations such as housing or transportation or grocery bills. When these unpaid obligations start to pile up, they can have a snowball effect and get worse with each ensuing month. As a last resort, to protect whatever assets are still surviving, some have no other recourse than to declare bankruptcy. Having come out of bankruptcy, many should consider it as a way to wipe the slate clean and start rebuilding toward the future and improving their creditworthiness.

Up by the Boot Straps with a Personal Loan after Bankruptcy

Rebuilding your creditworthiness and your good name could very well start with taking out a personal loan. Whether taking out a secured or unsecured loan, go for it. One secret is to not stop borrowing. Just remember that an unsecured loan will charge you a higher interest rate than a secured loan. A secured loan is one that is backed by an asset you own, such as real estate or a vehicle. Whatever transpires, please do not neglect this loan in terms of repayment on time every time. You are being granted a second chance and it would be wise to not spoil it.

Potential for Repayment

Depending on factors such as collateral, salary, and even personal recommendations, personal loans are available that range from $500 to $20,000. Income will be a primary consideration when loan amounts are figured. Some financial advisers suggest that individuals who have experienced a bankruptcy can start at $5K or below for a first personal loans ensuing a bankruptcy discharge. If the need is great and the payback potential great, a loan could be higher than that.

Some Extra Help

If you have no collateral, your best bet for a personal loan after bankruptcy would be to have a financially secure cosigner. Unsecured or no-collateral loans are riskiest for lenders so interest rates will be high. To lower these rates, having a cosigner would be a good way to land a personal loan after bankruptcy. The cosigner must be aware that they are liable for the loan should you default for whatever reason.

Seek Far and Wide

Because there are so many folks who have found themselves financially strapped, there are many private lenders who have stepped in to answer the calls of the market regarding personal loans after bankruptcy. You will find a plethora of these lenders on the internet. Simply punch …

Dec
30

Honest Riches Review

Honest Riches is written by the internet marketing mogul Holly Mann. Her e-Book is a rather large, expansive work spanning over 95 pages. It was a very easy read for me, I breezed through the book with no problem while stopping at times to put her advice and tips to work. I have not read the earlier versions of the e-Book from past years, but I can tell you that this book is fantastic and was the very first e-Book I read when getting started with making money online. The latest version, Honest Riches 2007 is among the most up-to-date internet marketing e-Books on the market, which includes the most recent online trends.

The e-Book begins with some brief information on getting your online business started (tax preparation, virtual offices, etc.), then through the reminder of the e-Book goes over the following topics and more that are not listed:

  • Affiliates Marketing
  • Making Money Without a Website
  • Website Design
  • Advertising
  • Search Engine Optimization

The section I found most helpful through my readings, and direct application to my own endeavors was the Advertising section. It is a long, detailed section going over all of the top methods of advertisement through AdWords, article and link directory marketing. The information provided JUST in this section warrants the purchase price, as it is estimated and only found in the top e-Books on the subject. When you pair this section with the rest of the e-Book, it is absolutely filled with priceless information that helped get me, along with 12,000 other readers going in the "game" that is internet money making.

The issue that I have with this e-Book is that many of its recommendations for other products / services are not exactly the cheapest of recommendations. This is a problem I see with many e-Books on the subject today, that they just throw out services that cost the reader way too much money, especially if they are reading the e-Book trying to get started without startup money.

Although the book was an easy to understand read for me and most other internet savvy people, it seems that the book targets those who already have experience in either sales, the internet or both. On this site, I consider this the best e-Book on Money Making due to its expansive detail on its topics, and its flaws are minimal. If someone really has no experience on some basic sales and internet marketing techniques than I would not go with Honest Riches initially, I'd go for a more beginner suited e-Book like SEO Elite [http://projectc.myvnc.com/ seoelite.html] or search for another alternative. …

Dec
29

Online Income – 16 Ways to Make Money Online

If you are looking for ways to make more money online then this list will be a great help. There are 16 different ways to make money online listed below. There is a large variety of different ways so there is sure to be something for you.

1) Create Websites

You can make money on the internet by creating your own website there are many ways to make money from a website and these are shown below.

2) Google Ads

Google pay website owners to display Google ads on their sites. In return Google will pay you every time a visitor clicks on the ads.

3) Become an Affiliate

An affiliate profits advertising other company's products on your website and when the visitor clicks the link and buys the product the company will pay your a percentage of the sale. Some submissions are as high as 75%.

4) Become a Merchant

If you have the ambition to start your own online shop you can turn your website into your own online store, selling the products of your choice.

5) Buy and Sell Domain Names

While the dot com gold rush has long gone away and lots of the good names are taken, there are lots of opportunity's out there if you bare willing to put in the time and effort.

6) Surveys

Company's will pay for you to fill out surveys for them, so they can carry out market research.

7) Post on Forums

New forum owners that need to give their forum a boost are paying posters a per post fee to chat on their forums.

8) Stock Photography

If you have a talent for photography then you can sell the rights to your pictures online. Website owners can then buy the rights to use your photos.

9) Article Writing

Become a free-lance article writer and full fill the need of website owners who need constant fresh content for their sites.

10) Gambling

A high risk way to earn money online. Some people make good money online from gambling. Only worth doing if you are a professional.

11) Blog Posting

Blog owners are willing to pay for every blog post that you add to their blogs.

12) Write Articles For Ehow.com

Ehow.com pay a percentage of ad revenue for articles that are written for the website. If you can write good how to articles then this would be worth a shot.

13) Create Your Own eBook

If you enough about a subject to write a book on it, then creating your own eBook can make you money online.

14) Enter Logo Creation Contests

Many forums have logo creating contests. Enter as many as you can and if you are good then you can make a career out of website logo design.

15) Sell on eBay

Selling on eBay is one of the most popular ways to make money online. If you are new then read as much as you can about it before you take the plunge.

16) Currency …

Dec
28

Why Writing Ebooks is the Best Way to Make Money Online For Beginners

Making money online is the dream of every budding entrepreneur. I know when I first got started and was deciding between building an offline business or an online one, there was no question that an online business was the fastest way to earn extra income online – with the least downside.

So why do you want to start an online business? Does it really matter, you just want to do it right?

Maybe you have read the story of how Markus Frind started an ugly dating site called Plenty of Fish and regularly takes in $ 10 million dollars annually from Google and other advertisers.

Perhaps you read about how John Reese took in over $ 1 million in 24 hours when he launched his product Traffic Secrets.

Was it the story of how Mike Filsaime, a once overworked car salesman who put in regular shifts of 15 hours on the job pulls in over seven figures every year that got you interested in making some extra cash online.

Whatever the reason you got interested in learning about how to start an online business, I have to say, you have come to the right spot to learn.

Now you have a number of ways to make a little extra money online, including:

  • Affiliate Marketing
  • Pay Per Lead Programs
  • eBay
  • Network Marketing
  • Google Adsense
  • Driving traffic to sites via Google Adwords
  • Writing and Selling Ebooks Direct to Customers

All of the above ways are viable, but some of them have some serious downsides – either time, money commitments.

Affiliate Marketing?
Affiliate Marketing is a cheap way to get started online. However, it takes time to learn and you have to compete against thousands of other affiliates for the same products. Standing out becomes more difficult, especially if the product is just launching and the affiliate commission is a big one.

Pay Per Lead Programs?
Pay Per Lead Programs are great in theory but you need to have a pretty robust website and a list. By list I mean a list of people whoave you their email addresses and want to hear from you.

Ebay?
eBay? Do not get me started. First you need stuff to buy, you have to post the item for sale and create an auction. Then you have to constantly monitor your listings. Then you have to ship the thing you are selling and then start all over. No thank you.

Network Marketing?
Network Marketing has some serious upside, especially if you are at the top of the pyramid – I mean commission structure. Hey mom, dad, do you want to buy this [insert product they do not need] from me so I can make a commission? I am only two more sales away from the level where I make serious money. No thanks.

Google Adsense?
Google AdSense sounds great in theory. You just place the code on your website and Google serves up the best ads for your readers based on the content on your site. Your …

Dec
26

Exploring Pet Insurance Quotes

Do you own a dog or a cat and have concerns about caring about its health? Those that fall into such a category should seriously weigh options regarding examining pet insurance quotes. Procuring a comprehensive pet insurance policy may prove to be the safest moves to make when looking to properly care for your beloved pet.

While most people think of health insurance in ‘human’ terms, it is also possible to purchase insurance for your pet. Some may wonder why anyone would wish to do so and the answer is fairly self-evident. Pets can suffer from unexpected ailments that require immediate veterinary care. The costs of such care could prove to be stunning. This is why having a pet insurance policy in place could prove to be a wise move on the part of the owner.

Again, if you are considering purchasing such insurance, you will most definitely want to look at a number of pet insurance quotes. The reason that you would do this is the same reason why you would want to examine a host of quotes from a traditional insurer. You want to get the very best policy for your own individual needs at the proper price you can afford. As with ‘human’ policies, not all pet insurance quotes will be the same. This is why you need to look at all available quotes. You want the most effective policy or else you could find yourself disappointed when the time comes to use the policy.

In some instances, insurance coverage will weigh heavily on your ability to provide proper care for your pet. This is probably the most important reason to look at as many pet insurance quotes as possible. You do not want to deny you dog or cat the treatment it needs due to your own lack of funds.

There are a number of factors that are considered when you seek an insurance policy for a pet. The insurance provider will look at the age of the pet, the specific breed of the pet, and the prior medical history of the pet. A quote will then be provided which comes with a corresponding monthly premium. The more pet insurance quotes you seek, the greater the variety in coverage and monthly premiums you will see. By amassing a large number of quotes, you can select the policy that best suits your needs and budget.

However, it is important to note that you do not always want the cost of the monthly premiums to be the prime motivator when it comes to selecting a policy. Yes, you want to avoid overpaying but you do want the coverage you procure to be comprehensive. Would you want a claim to be denied when your pet needs treatment?

Most assuredly, this is not a scenario you would wish to find yourself. Hence, you need to look over the pet insurance quotes to find the proper policy. To do otherwise would not be helpful in any way. And you do want …

Dec
25

A Business Blog – Today's Answer to the Marketing Question

So you have a business and you are trying to be successful in it. Do you have a business blog? I know it is an interesting question, but there are a few really good reasons why I ask. Many of your competitors have a website. The old styles of sites are nothing more than glorified posters. More than you would think are never even updated with new information. The fast paced business world of today demands more from you and your web presence. The ability to interact with your customer is more important than ever. Here are three ways that a blog site can make the difference to your business.

Use these powerful techniques to drive massive traffic to your business.

1) Most Current Information- With a business blog you have the chance to update the information as it happens. The systems are very user-friendly. You no longer have to know computer code or how to write in HTML format. If you can use a word processor, you can create and update your site. As your business changes, you can easily update the site with the latest information. The ability to use words, pictures, and even video to get your story out is a powerful thing that has not been around for that long. The more you can tell your customers about you and your business on your site, the more they will come to feel like they know you and will be closer to using your product or service.

2) Powerful Content- Content rules the internet. Your ability to talk to your customers can be a major asset in your ability to encourage them to do business with you. When we talk about content, we are not talking about sales letters and special offers. Content is articles and videos that talk about the aspects of your industry. It is your chance to pull back the curtain and give your readers a look at what you have to offer. By talking about the latest products and services on the market, you are answering the questions your readers have. You will become to be known as the industry expert and they will by more likely to buy from you when they are ready.

3) Customer Interaction- The first goal of interaction should always be to get their contact information and approval to contact them later. This can be done by adding an opt-in form on your front page and offer them a reason to give you that information. This will give you the ability to share valuable information with your customers when it comes up. The next level of interaction is to offer them a voice. This can be accomplished through comment sections on your content, guest pages, and reader submissions. When you hear from your customers, you have the opportunity to grow and adjust your business to serve them better. This is a powerful tool that can only be maximized with a business blog.

A business blog beats a normal …

Dec
25

7 Leading Causes of Stress

In 1967, Thomas H. Holmes and Richard H. Rahe, from the University of Washington, did a study on the connection between significant life events and illness. As part of that study, they compiled a chart of the major causes of stress. That chart, which contained 43 causes of stress in 1967, was updated to 55 causes in 2006. Apparently, society is finding more causes to feel stressed.

If you knew the leading causes of stress in your life, would you take action to eradicate them? Can you eradicate stress – or is it an inoperable condition that will be with you all of your life, possibly causing your eventual death?

Which Is Your Leading Cause of Stress?

1. Finances

Most studies agree that finances are a leading cause of stress. In an online poll conducted in 2005 by LifeCare, Inc., 23 percent of respondents named finances as the leading cause of stress in their lives. Financial stress has led the list in many modern polls.

Some who name finances as the leading cause of stress cite major purchases they have to make, such as a home or car. Others are stressed by a loss of income, or mounting credit card debt. For some, financial stress will eventuate in bankruptcy. While college students stress over paying for an education, Baby Boomers and older senior citizens find that retirement income can be a major cause of stress.

2. Work

Closely tied to finances as a cause of stress is work. Our jobs or careers seem to cause constant stress. In the LifeCare poll, 21 percent of those responding listed this as the leading cause of stress in life.

How is the workplace a cause of stress? We worry about getting and keeping adequate employment. We worry about new types of work or new responsibilities. We struggle to climb a career ladder, overwhelmed by the demands. Work conditions may change, or we may have interpersonal trouble at work. Students, especially teenagers and college age students, cite school work as a cause of stress. Sometimes, work stress is brought on by others. Sometimes, we bring it on ourselves.

3. Family

Family, wonderful though each member may be, is also a leading cause of stress. Arguments erupt with a spouse or other family member. Parents divorce. Children marry. The ebb and flow of family life is filled with stress. A child moves out – an aging parent moves in.

Family health is also a leading cause of stress. A sick family member, a serious injury, pregnancy, miscarriage, or abortion all cause stress. Family changes of other kinds bring stress, too. Adoption, relocation, and job changes for just one family member can cause stress for all.

4. Personal Concerns

Personal concerns that are only indirectly created by others are another top cause of stress. Lack of control tops the list of personal concerns. Every human has a deep-seated desire for control over his or her own life. When control is weak or missing in a given …

Dec
23

Sell Beats For Money

Did you know that you can actually sell beats for money? If you are a producer and you love to create your own beats, then I have good news for you. You can actually make some money in the music industry by just creating your own beats.

Everyday a lot of new and upcoming artists which includes singers and rappers need instrumentals so they can start writing their music. Instrumentals actually help by inspiring them and help them in creating their song. This is the reason why they usually go online searching for some beats to purchase. This is where you come in.

Fortunately, it is easy to sell beats for money. Here is a short but effective way on how to do it.

1) Check the Requirements

Before you can start making your own beats, you need to have certain requirements. First, you will need to have a laptop and Internet connection. Your laptop will be where the beat software will be installed. This is where your beat creation process will take place. Meanwhile, the Internet connection is for selling your beats. You need to be able to visit beat websites so you can start posting and making money off your instrumentals.

2) Start Creating

Once you have the requirements ready, it is time to start creating your own beats. You can do this by carefully selecting and studying a beat making software. If you are going to browse the Internet, you will find that there are a lot of beat making software available. Choose one that appeals to you and spend your time learning it. It may take days but it will be worth it. After learning, you will now be able to create your own beats.

3) How to Sell Your Instrumentals

When you have your beats ready, you can now log online and sell your beats for money. There are many ways to sell your beats. You can either have your own website or you can simply post your beats in beat databases. Having your own website helps in attracting professional artists. It gives them a place to listen to your beats while getting to know you as a producer. Meanwhile, posting your beats on databases will give you more exposure. And you can expect that people who visit these websites are really there to purchase some beats.

While you can do both so you can sell your beats for money, you can start with posting your beats on databases if you do not have the initial money to create a website. It will get you started in the beat making industry without initial funds.

So as you can see, selling beats for money is actually easy. You just need to carefully choose your beat making software and you need to have some listening skills. Also, remember that it is better to spend more time in crafting your instrumentals. High quality will always be better than high quantity. Only expect to make lots of money when …

Dec
23

Questions To Ask A Personal Injury Lawyer During Your Consultation

Q: Is this consultation given without charge to me?

About Your Rights:
Q: What rights do I have that need to be protected?

Q: Who will pay my medical bills; physical therapy bills; drug bills; transportation expenses; temporary or permanent household help; lost income; property damage; and pain and suffering?

Q: What do I have to do to protect my rights to these claims? What forms and papers do I need to obtain? Where do I get these forms? Will you fill out all the forms for me? If needed, will you help me with my medical claim? If needed, will you help me with my property damage claim?

Q: What claim letters need to be sent; How many insurance companies must be notified? Will you do this for me?

How can you determine whether you want to hire a specific lawyer? You may feel nervous when hiring a lawyer, but remember that you are the one doing the hiring. While lawyers who primarily represent people in accidents charge a contingency fee (a fee that is charged at the end of the case and only if you are successful) you will still want to know that you are satisfied with your choice. Even though you pay a fee after you receive a money award, you are the one paying the bill. Serious injuries can result in significant compensation for both you and your lawyer. That makes you an important client!

Q: If I have a question about my case, will I be able to speak with you directly or do I have to speak to a paralegal? Is it okay if I speak with you occasionally when I have a question or to find out the status of my case?

Q: How long have you and your law firm been practicing law?

Q: Do you practice primarily in the field of Personal Injury and accidents?

Q: Do you have professional liability insurance? (Professional liability insurance also protects you, the accident victim, in case an error is made that damages your case.)

Q: When will I be charged? (Personal injury lawyers usually charge a contingency fee.) A contingency fee is one that is charged at the end of the case and only if you are successful.

Q: How much will I be charged?

Q: Will I be charged a legal fee if you do not recover money for me?

Q: Am I liable for case expenses if you do not recover money for me?

Q: What are my alternatives to resolve my claim? Do you ever utilize mediation and arbitration?

Q: Have you or your law firm done any trials?

Q: (If married) Is my spouse entitled to any of the settlement or money awarded? What happens if I get divorced?

Q: (If a child is injured) Which parent will bring the claim? What happens to the settlement money? …