Monday, December 31, 2012

How to Use an Online Payday Loan to Obtain Cash Fast

It can be rather difficult to obtain fast loans, when you have extremely poor credit. Clearing a credit verification is vital in most cases when applying for a new loan. Traditionally lenders do not want to engage in business with people who will most likely default on their debt because of their finacial situation.

Use payday loans if you've been declined other credit. What ever your credit history you can borrow money. You will not be subjected to a credit score. Payday lenders do not care about your previous defaults, they are strictly interested in if you are able to make the necessary repayments when the time comes.

It is not necessary to undergo a credit check, unless you have decided to apply for faxless cash payday loans. You must meet the requirement, be aged over 18, American citizen, be in full-time employment, 2 forms of I.D- your verification account too. We will expect you to show pay stubs and a copy of your latest bank statement to verify your income. In some cases, you won't have to provide every detail of your financial history since most payday loan lenders will be able to gather it from the major credit reporting services.

If you meet employment and income requirements you only have to verify the information you've given. The risk of fraud is high when applying for unsecured credit. Leave no doubt about your identity to avoid this situation. Even you do not have to have good credit to get payday loans, you do need to have a steady job and proof of it such as a check stubs. You must also have an active checking account so your loan proceeds can be directly placed there. Likewise, your payment to the loan company when it is due will be made automatcially via your checking account to the loan service's account. There is no need for you to visit the office or send a check.

However, a quickly approved payday loan can prove a costly way of dealing with a temporary shortage. You will typically pay a quarter of what you borrow as a fee. However, in particular states you may notice restrictive borrowing and interest rate limitations. Fash cash payday loans are illegal in Georgia and some other states. Be sure its legal in your state before applying. To combat monetary crisis, you may go for a fast loan.

Saturday, December 29, 2012

Follow Up Letter After Sending Resume

A follow up letter after sending resume is a new phenomenon that many applicants send to bring the attention of the employer to their resume. This article will give you some important tips as to what are the things that you have to keep in mind while writing a follow up letter after resume submission. You will also find a letter sample and template at the end of the article...

Usually, a well written resume, as well as cover letter, is considered to be the most important factor that helps an individual in gaining an interview. However, nowadays as employers receive 'n' number of resumes for just one advertised position, there are chances that some may get lost in the pile. Here, the follow up letter after sending resume comes to one's rescue. Though many people are against the concept of sending a follow up letter after submitting the resume, some say that such a letter reflects the person's interest and seriousness about a particular job. Moreover, many people also prefer to make a call to the employer to check whether he has received their resume, however this may be considered as a nuisance. Therefore, the best way is to send a letter or email to the employer to make sure that he has received your CV. Read more on letter writing and resume writing.

Follow Up Letter After Resume Submission

Most people prefer to wait for the employer to fix their interview date and time after submitting their resume. However, if the waiting period extends to more than one or two weeks, it is a good idea to send a follow up letter. Begin the follow up letter after sending resume by writing the subject or purpose of writing the letter. This should be followed by the salutation to the person you are sending the letter to. However, if you do not know who you are sending the letter to, you can use salutation like Dear Hiring Professional, etc. The follow up letter should be short and to the point. In the first line of the letter you have to explain the purpose of the letter. You can also mention your qualifications and experiences related to the position you have applied for. A the end of the letter you can mention your telephone number and do not forget to attach a copy of your resume so that the person does not have to waste time searching for your resume. Know more about interview follow up letter.

Follow up Letter After Sending Resume - Template

Here is a guide to write follow up letter after submitting resume which will help you in writing one.
Dear (insert name),

I had sent a resume two weeks ago applying for the (insert the position) as per the advertisement in the (insert newspaper's name).

As already mentioned in my resume, I completed my graduation in (year) from (university's name) and have also completed a diploma course of (insert additional qualification). I have also worked as an (insert position) at (company's name) for 3 years while studying. I think that my experience and skills will be perfect for this job.

I have attached a copy of my resume with this letter. You can reach me at (telephone number) to gain detailed information about me. I will look forward for a reply from you.

Yours truly,


(Your name).

Sample of Follow Up Letter After Sending Resume

People who are still not sure about how to write a follow up letter after sending resume can read through this sample letter for reference.
Dear Hiring Professional,

According to your advertisement in the Times Now, I had sent a resume for the post of Technical Writer on November 22nd. I wanted to ensure that you have received my resume.

I did my graduation in Engineering from Michigan University and passed out in the year 2007. I also have done an online technical writing course, while working as a technical writer for the magazine Computer Publications for two years. I believe that my experience and writing skills are apt for the particular position you are offering in your company.

For your convenience, I have attached a copy of my resume along with this letter. You can call me at (234) 395-1894 or send an email at to know more about me. I will await a reply from you.


(Your signature)

Nathaniel Simmons.

Note: The names and numbers used in the above example are for illustrative purposes only and bear no resemblance to any person.

Once you have written the follow up letter, check thoroughly for grammatical and spelling or typos mistakes as these can create a bad impression on the receiver about you. You have to remember that though a follow up letter after sending resume shows your keen interest and enthusiasm about a particular job, it should not be sent more than once. If you do not receive any reply even after sending the follow up letter, you should not send any more letters and begin looking for another job. All the best!

Thursday, December 27, 2012

Bad Credit Special: Up To $10,000 In Personal Non-bank Loans

While nothing is guaranteed in this world, some things are more likely to happen than the others are. The same is true of personal loans for bad credit. People with past credit problems are way more likely to get a personal loan from a non-bank lender rather than from a traditional brick-and-mortar banking institution. People of all credit grades experienced problems obtaining financing during recession, when most lenders have tightened their underwriting criteria and limited new lending. Consumers with bad credit suffered most, as virtually all banks have seized loan activities for sub-prime credit grades.

This is exactly where non-bank lenders come in handy, as they offer a wide array of lending programs from small amounts with no credit checks to personal loans of up to ,000. What is even better, these loans do not have to be secured by home equity or any other sort of collateral. While loans from non-traditional lenders are widely available and feature easy approvals, there are few major criteria to meet.

Ongoing Employment

All lenders, whether it is a bank or an online lender, need to establish the grounds for repayment. That is why having a steady income coming from a verifiable source is vital in a successful loan application. Most lenders would not consider applicants with less that 90 days of ongoing employment, and some require at least six months employment with the same company. The longer you have been employed at one place, the better, as lenders consider a steady employment to be a sign of stability.

Valid Bank Account

In order to become eligible to get a personal loan from a non-traditional lender you have to have a valid bank account. Checking account would satisfy the minimum requirements, where savings or money market account would significantly add up to your credibility. Typically, you would have to furnish bank statements for three months preceding the loan application, and those have to be clear of any serious blemishes, such as bounced checks, excessive overdrafts, and so forth.

Proof Of Identity And Residency

As most non-traditional lenders do operate online and, most likely, would never see you in person, they need to establish your identity and physical address. The common procedure of satisfying the above requirements is providing the lender with a copy of your State ID and a recent utility bill in your name. In addition, some other documents may be required in the process to get you approved, depending on the lender policies and the loan amount. Typically, the larger your loan request is, the more paperwork is needed.

Choosing The Right Lender

Depending on your credit record, income, and state of residence, there may be some lenders that would reject your loan application and some that would approve it. Therefore, as different lenders have different policies and procedures regarding bad credit personal loans, it is important to apply with multiple lenders to make your loan application a success. In addition, being approved by several lenders would let you choose the best rates and terms. Internet has made it extremely easy to apply, with very little effort and time spent, and you should apply online to get your loan request expedited.

Tuesday, December 25, 2012

Tips For Partial Drawings In Letter Of Credit Transactions

Article 31 UCP 600 permits the beneficiary to partially ship and draw on the letter of credit. As pleasant as this provision
is for the beneficiary, the applicant runs the risk that he does not receive all the goods/services/performance he ordered. Rather, the beneficiary is permitted to
ship only a portion of the agreed upon goods at the "last minute" before expiration of the LC
and still be able to draw under the LC. In case the Applicant wants to protect himself against "last minute" shipments, he should open the LC in such a way, that he either prohibits partial shipments or at least sets deadlines for partial shipments.

Not every shipment in several parts is considered a partial shipment. If the Beneficiary has several containers on the same ship, these several containers are not deemed to be partial shipments.
Article 31 b provides that a presentation of documents consisting of more than one set of transport documents evidencing shipment commencing on the same means of conveyance and for the same journey, provided they indicated the same destination will not be considered as covering a partial shipment. The fact that the shipping documents indicate different dates of shipment or different ports of loading, places of taking in charge or dispatch does not make these documents be acceptable as partial shipments.

The date of shipment is determined according to the latest date of shipment as shown on the presented shipping documents.

"Means of Conveyance" is the critical requirement that determines whether the beneficiary can partially
ship and draw on the letter of credit. If the same "means of conveyance" is used, no partial shipment

A Beneficiary presenting bills of lading from two different ships but only one set of
packing list, certificate of origin and invoice can - according to the International Chamber of Commerce- avail himself of the credit even though he did not present a complete set of documents for each partial shipment. The ICC thus:"Provided that the information contained in the documents (as a whole) met the terms of the credit, there is no justification for rejection."

When using several trucks and issuing a waybill for each truck the ICC believes that each truck is a separate means of conveyance:"The term 'means of conveyance' has the meaning of single vehicle."

However when using the railway, the ICC believes:" Transport documents, which evidence that the wagins were attached to the same train for the same hourney would not constitute a partial shipment,
as they are part of the same means of conveyance." (see ICC Publication No. 632, R 477).

As always, when the law gets complicated, the parties to the transaction should specify in the contract what they want. For partial shipments, applicant and beneficiary should spell out, whether they want to allow partial shipments, what the deadlines are, and what constitutes partial shipment.

Thursday, December 20, 2012

Top Three Reasons to Employ an Etobicoke Real Estate Agent to help Buy a Residence

The west end of Toronto is a attractive and expanding component of the GTA. It can be close to the downtown core but nonetheless holds that family feel. It is actually an ideal neighbourhood to raise a family, while still acquiring access to Toronto; for work, nightlife and weekend events and activities. Etobicoke is conveniently situated along the GO Train route, has access to hi-ways, and also a completely functioning public transportation system. If you are considering buying your home in Etobicoke, you may have made a wise alternative. An Etobicoke real estate professional can help with your relocation by helping to purchase the property of your dreams. By means of their experience, neighbourhood knowledge, price guidance, handling substantial volumes of paper work and negotiation abilities, your chosen real estate agent will make the transaction, and transition a pleasant experience.

Benefits of an Etobicoke Real Estate Agent

1. Information and Experience

It's not every day that you purchase a house but for a real estate agent, it is. A real estate agent acquires knowledge on a daily basis. With an agent as your ally, you don't need to know almost everything about acquiring a home. In place of investing long and unnecessary hours researching the market, focusing on shopping for a property, is really a much preferred pastime for excited property buyers.

2. Knowledge of the Neighbourhood

When you are relocating right after buying real estate in Etobicoke, an agent can advise on the most beneficial neighbourhoods that suit your life style. Particular considerations consist of: do you want to be close to schools? Do you drive and need access to key roads, or would it best suit you to reside close towards the GO Station, and neighborhood conveniences such as grocery stores? Perhaps you'd like to know what component of the city is developing, with the intent to sell at a profit down the road. A real estate agent specializing within the west end will answer concerns concerning the neighbourhood, and its prices, gained from their knowledge operating within the Etobicoke community.

3. Paperwork and Transactions

The real value in hiring a real estate agent is having the ability to leave the paperwork and transactions to a specialist. Purchasing agreements can run ten pages or more. Quite a few real estate documents can accumulate one to three inches thick per client. Take into consideration that one tiny mistake or omission could land the buyer in hot water, if not now, then down the road. It is secure to say that buyers would agree that some issues are much better left untouched. Within the situation of hefty paperwork, why would you want to try in the first place?

Etobicoke real estate agents also offer the advantage of sharing their connections with other marketplace professionals, and last but not least, a real estate agent relies on their exceptional service to earn your referral. The guarantee of a successfully purchased house is likely with the agent hoping for word of mouth marketing and advertising to grow their business. Their incentive, and your achievement buying a residence, is built right in.

Thursday, December 13, 2012

Rewrite Articles Magic Article Rewriter

The internet is a large space containing hundreds of millions of websites and blogs. It is very hard to get noticed on the search engines unless you follow a tried and proven practice to get visitors to your site and recognition of your site in the search engines.

One proven practise is article marketing. This can best be explained as writing an article that you submit to an article directory. When your article is accepted to the article directory you will then have at least two solid backlinks to your site and exposure to visitors of that article directory.

It then stands to reason that the more articles you have on articles directories the more backlinks to your site and you will get article visitor traffic.

If you submit the same article to many article directories then the backlinks will loose power due to the competition of each article in the search engines, commonly referred to as duplicate content.

Writing hundreds of articles is very time consuming and a lot of people do not have the patience or time to write an article. Would it not be a better idea then to write one article and from that one article make many hundreds of variations that are unique and do not contain duplicate content?

This will then allow you to go to each article directory where you will submit one article that has been spun and then the next spun article to the next article directory and so on. This way each article directory will get a unique non duplicate content article that was spun from your original article.

With the page rank power of the article directories that you have submitted each unique article to, that article will get the most juice from page ranking of the directory as well as a good solid backlink.

I will guide you through using article spinning software that will spin one original article and turn that single article into many hundreds or just a few, totally unique and non duplicate content that is easy to read and makes sense to the human reader.

I will describe the basics of spinning an article by substituting words and then take it up a notch to spin anchor text and then finally, saving the best to last, spinning url's so that your article spinning efforts will target deep links in your site or sites.

Once you have read these simple techniques you will soon discover that article spinning software does in fact spin human readable and grammatically correct articles just as if you wrote each article yourself.
Basic Article Spinning Commands

Article spinning software actually reads the text looking for commands where the software is called upon to act. Common to all article spinning software programs are the commands of [spin] or {word}.

For the sake of convenience I will use the [spin] command throughout for ease but, if you use other software the same command is {word1~word2~word3} as opposed to [spin]word1|word2|word3[/spin]

Basically what you just read is all there is to it to rewrite an article. Just those commands. Lets start by describing the commands.

The command [spin] tells the software that you want it to start here. The command [/spin] tells the software you want it to stop here. Inside those two commands you write your words separated by the symbol .

So the command would like this:- [spin]word1|word2|word3|word4[/spin]. By separating each word with the symbol you are asking the software that the words proceeding and following the symbol are the words you want the software to randomly choose.

Tip: the more words you use inside the commands means the more words the software can randomly select when it will re-write the sentence.

Example credit cards - [spin]credit cards|debit cards|bank cards[/spin]. The software will write My credit cards are too high or "My debit cards are too high and finally, "My bank cards are too high.

So to write a sentence it will look like this:- My [spin]credit cards|debit cards|bank cards[/spin] are [spin]out of control|maxed out|costing me a fortune in fees[/spin].

The software then has all those variables to choose from in the first command and mix those variables with the words in the second command.

That is how you make articles unique when you spin them. Also, as you put your words in the commands you can then read those words to make sure they make sense when the software spins the article.

The reason why article rewriting software churns out garbled rubbish is because when writing your words in the commands that they do not flow and make sense. If as you go along you read each word out you will ensure the article will be grammatically correct when spun, everytime.

Magic Article Rewriter Software

We all know that the more articles we have the more traffic our site will get. The more traffic, the more money we make or the more sales, interest we generate.

If you had software, appropriately priced software, don't you think you will make back your software investment price in no time?

Magic Article Rewriter software does everything for you. The software inputs the commands spin] and and [/spin] for you. Also it can use the commands {word1~word2}.

Not only that but have you ever written a word that you know just doesn't sound right? Well the software can make suggestions for you.

I use the software and I have found that I can write an article that sounds ok. When I put the article in the software and use the words it suggest, my article actually sounds better then when I first wrote it as the suggested words by the software is more descriptive then the words I originally used..

Visit my site to see the software in action.

More Information And Magic Article Rewriter

Now when using this software you will have the original article with the commands inserted in the article. This original article can be submitted to sites that take that article and use the commands to circulate that article to other niche websites.

To learn how to do this see how to use free content for niche websites. I would like to highlight the Free Traffic System that this software was actually designed for and is a free membership.

The purchase price of Magic Article Rewriter is a one time fee of .00. There are other websites that charge this fee for a monthly membership or 7.00 for software and you have to pay for updates each time.

The software is desktop based. That means the software is on your computer for you to use at any time. Its yours to keep forever.

Using this software will generate grammatically correct, unique and non-duplicate articles that you can submit to the major article directories.

Do not be surprised that your traffic statistics counter starts spinning wildly out of control because you will generate massive amounts of traffic from your articles.

Monday, December 10, 2012

How to Select the Right Mobile Payment Processor

Mobile payments are highly effective for micro-payments payments of digital content and virtual goods. Offering mobile payments increases revenues, mitigates payment processing risks, and expands markets world-wide quickly and easily. More importantly, mobile offers a potential for a relationship with customers that no other payment option can provide. The real power of mobile payments goes far beyond selling virtual goods and services. Mobile billing gives business a way to communicate with customers and for customers to communicate with companies and with other customers. Mobile payments expand the power of social networks and communities and provide a unique opportunity for businesses and consumers to be a part of each others' world.

Given the importance of Mobile Payments, how should a company select a mobile payment provider that they can rely on? There are two important elements to consider. First, the mobile payment platform must meet technical standards and conform to standard business operational functions for payment processing. Secondly, closely examine the additional services that the mobile payment company offers that will enhance your customer acquisition, retention, and marketing strategies and build loyalty to your brand.

An effective mobile billing platform will have the following features:

Complete audit trail and full reporting functions for every transaction. The status of every transaction must be available in real-time. Merchants should have the same type of detailed information available to them with mobile billing as they do with credit card payment processing. Accountably. Merchants need to know how much money they will receive from mobile billing and when the funds will be received. Flexible price points. Merchants need to be able to set their own price points for products and services. Merchants should not be limited by mobile billing short codes with inflexible billing parameters

Flexible billing models. The ability to pass on mobile billing surcharges to consumers allows merchants to offer mobile payments without incurring any payment processing fees. Will consumers pay the surcharges? Millions of mobile billing transactions prove the answer is YES. Consumers willing pay a extra for a small-ticket item in exchange for convenience and instant gratification. Simplicity of integration into existing accounting and payment processing systems. The application program interface should be user friendly and take be easy to implement. Customer support should be offered 24/7 in every local language where mobile billing is offered. One of the great advantages of mobile billing is the easy expansion into international markets. Localized customer service is an important element in succeeding in global markets.

The best Mobile Payment Processing platform will offer businesses multiple ways to acquire new customers and retain existing customers. Business should have a variety of low-cost methods to reach out to customers, offer incentives, maintain customer interest in the product, and motivate new spending. Combing innovative payment technology with marketing tools is a sure-fire way to ensure the success of your mobile billing initiative. The right mobile payment processing partner will work with you to customize the right strategy and help you implement your plans in the most efficient way possible.

Thursday, December 6, 2012

Why Designing & Budgeting is Important to Turning into Financially Free

Why Designing & Budgeting is Important to Turning into Financially Free
I will still bear in mind my first lecture in Management Accounting. The lecturer was introducing us to the concept of budgeting and at the end he created a little joke, which went one thing like this: "If your budget has turned out specifically right, you have got either had an amazing stroke of luck or got it wrong!" After all, what he meant was: budgets aren't meant to be accurate. They are there as a guide - an necessary, essential guide that ought to act as each a designing and control mechanism.
I strive to avoid the word budget with my new shoppers but I would like to introduce you to the real which means of budgeting. Forget about the concept of restriction and restraint usually associated with household budgets and begin puzzling over your finances in the same way that good businesses do.
The glue that holds all successful business practices together is the master budget. It ties in all aspects of the business - selling, selling, financing, research and development, and personnel management. Without a smart master budget that incorporates all activities of a business, an organisation can finish up floundering. And a floundering business is rarely profitable.
The budget provides the cohesion between the differing objectives of numerous parts of the business and creates a unified goal for the total organisation to work towards. It enhances motivation, delegates responsibility and provides vital feedback on the progress of individuals and also the organisation as a whole. Not unhealthy, for a simple system that we have a tendency to all thought somebody put in to punish us for our mistakes.
Budgets don't seem to be punishment. They're vital, helpful tools that guide us to where we have a tendency to want to go. They allow us to plan for our future nevertheless control our circumstances along the way. They're not meant to be actual, but rather versatile and accommodating. They must amendment when we change, however still be resilient enough to forestall us from going off the rails. They purpose us in the correct direction and proper us once we fail. Without a budget for our finances, we tend to are making an attempt to win the one hundred-yard dash blindfolded.
Folks build mistakes. We tend to have human weaknesses that can't always be perfected. As smart as our judgement could be, there are occasions once we will detonate course. We tend to will be tempted, we have a tendency to will be deluded and typically we have a tendency to simply slip up. What we tend to want is one thing that keeps us on the proper road while not invalidating our past mistakes yet motivates us to attempt again. And again, and again - until we have a tendency to get it right.
I have had shoppers who tried the Cash Program however left when a few weeks, only to return to me months or perhaps a year later, "Sorry, Annie, can we have a tendency to strive once more?" Sure. It took me a number of years to good the program after I first developed it for myself. Sometimes, I left it for weeks or perhaps months, returning to my recent spendthrift ways in which, but eventually came back to the program with a bigger knowing that the sole means I may get ahead is to work at intervals the system. A smart system will enable you to try and do this. This can be referred to as "Correction, without Invalidation." In other words, keep attempting and correcting your mistakes without making them wrong.
What we would like is a system that permits us to deviate off course from time to time however builds in controls to prompt us back whenever we tend to veer too way - a system that facilitates correction, without invalidating the mistakes we made on the way.
Initial, you need a plan. A arrange incorporates objectives, goals and step-by-step methods or action plans. An objective is a high-level, qualitative statement describing a desired outcome. For example:
"To be financially freelance and free to travel the world."
A goal could be a quantifiable statement that is measurable and specific. For example:
"To make an freelance income of $ thirty,000 each year, so I can leave my current employment by by a sure date."
The action plan then becomes your step-by-step approach of how you'll be able to produce the independent income by that date.
If your objective is your life's dream - to travel the globe - then the sacrifice of saving can not appear thus daunting. We are all willing to form tiny sacrifices over time, if we tend to have a bigger goal in mind.
Another important facet of budgeting is comparison. We tend to need to continually compare what happened to what was supposed to happen. If you have a budget but never go to the trouble of comparing your actual expenditure to the budget, you are only using fifty% of the system.
It is vital that on a regular basis you compare your actual expenditure and outgoings to what was budgeted. Use the variances as a feedback mechanism to measure your progress. It's OK to own variances. Bear in mind the immortal words of my Management Accounting lecturer - budgets are not meant to be exact, they are used as a guide.
The variances can tell you ways you fared. Was your budget realistic? Did you under-budget? Over-budget? If the budget is unrealistic, modify it. Budgets ought to be dynamic tools, changing where necessary till you get the correct mix.
Did you overspend? Underspend? Was the budget cheap but you merely broke the foundations and fell into unhealthy habits? That's OK, the variances can guide you to where you would like to focus your attention. Did you waste too much money at the supermarket? Spend an excessive amount of on discretionary items? Are your mounted prices still too high? Correction. Correction. Correction. The variances can show you where.