Would You Like to Chase Credit

You can chase credit through the different credit services that are offered. The credit services depend on your need and situation. They range from buying a car to goods for home. The different credit services you can chase are home mortgage loan, auto loan, credit service, education loan, refinance, debt consolidation loan and others. Credit card companies offer other services as well. They include low rates, providing security to customers from fraud or theft and providing benefits and rewards on purchases.

You chase credit because you want to buy many things. Chasing low interest credit to finance your home or car is a very common practice. Bad credit disqualifies a person from many loans and also from securing low interest rates. It is important to chase low interest credit because it will reduce your liability. Low interest credit cards also help you in saving a lot of money in time. Most of the bankruptcies every year are a result of overwhelming debt by those who don’t chase their credit properly.

You probably see many advertisements offering low rates of credit on television and/or newspapers. Most of them stipulate that a person should have good credit Some of the advertisers show only the introductory rate and do not show the subsequent rates. This can create a lot of confusion. The introductory rate will be applicable for a stated period only and it will increase from then on. Therefore it is important to chase credit where the long term APR on a credit is very low. It is safe to find the long-term APR with low interest rates.

Chasing low interest credit is also beneficial in financing your home, automobile or any other items of your choice. In order to get low interest car loan, it is advisable to search online. If it is a home equity loan, it will decrease your monthly payments substantially.

Find your credit rating before you search for a loan on the net. When you see the average rate for people with similar ratings. This way you know where you are and you know the kind of deal you are likely to get.

If you find it difficult to manage your debt, you can seek debt reduction services that bring debt under control. Debt consolidation generally permits you to get loans against security. A secured loan is a low interest loan as it is backed by a collateral. Many large credit companies also offer financial and credit services to help the customers in managing their credit better – from household budget and savings plans to retirement accounts and finding auto insurance.

Top 5 iPad Finance Apps for Business

The past two years have been a whirlwind in mobile computing and people are embracing these new devices, like the iPad, at breakneck speeds. Apple’s Fourth Quarter revenues jumped 21 percent from a year ago, including the sale of over 11 million iPads. It’s clear that the huge advances in mobile devices are not only changing how we live our personal lives but also how we do business. For business, especially small business, some of the biggest advantages are coming from the app world. If you want to make your business finances a breeze, check out these apps:

1. Square: Credit card transactions have never been easier. The developers of this free app will send you an actual credit card reader that plugs into your iPad. It’s secure, easy, mobile, and even has built in analytics to track sales, collect tips and tax, and send electronic receipts via email or text. There is no need to delay the payment process anymore. Oh, and they only charge a 2.75% transaction fee: no contracts, fees, or merchant accounts necessary.

2. Expensify has the traveling business world in an uproar. The features of this app are impressive at the least: sync banking information to track purchases in real time, digitize receipts to reduce the chance of losing them (just snap a picture and the app will discern and note the necessary info), customize and email reports for approval, and be reimbursed to your checking account. You’ll be your accountant’s best friend with the organization and ease provided by this app.

3. Time Master + Billing: With a 4 star rating in the app store, this app sets the bar for time and expense tracking. The overall best feature is flexibility to be customized to fit how you work – rounding minutes, multiple running timers, billing rates, expenses, client project/tasks, and so many more options. There are even additional modules available to include invoicing, QuickBooks export, and wireless sync between mobile devices.

4. Intuit GoPayment Credit Card Terminal: Similar to Square but a little bit more involved. It’s also a free app, but you have to jump through a few more hoops (AKA a 15 minute application process) to be approved to use this service. However, if you’re looking for a proven brand name, this may be for you.

5. QuickBooks Connect: This is a great supplement to your QuickBooks Online subscription (QuickBooks 2011 users you’ll have to get a paid subscription to use this app past 30 days). Manage customer information and balances; create invoices and sales receipts; convert estimates to invoices; email estimates, invoices, and sales receipts and more with this handy app.

Mobile computing can make all the difference in the efficiency of your business. Look for the bottlenecks in your financial administration and ask yourself, is there an app for that?

Kristi Daeda is an online marketing strategist that works with companies nationwide to define and execute powerful online marketing strategies. Read more about her thoughts on online marketing at her website [http://www.powerhousestrategy.com] or as featured on Mobile Apps Designers.

The Best Free Android Finance Apps

Obviously many people will be skeptical as to how good free apps actually are, with many consumers actually purposefully not downloading free apps due to fears that they will crash or being infected with various ways of stealing your money. However these fears are totally unfounded and without evidence so do not let this put you off. Now to the apps:

PayPal

If you have been on the internet at some point then you will have undoubtedly heard of PayPal. The service facilitates payments between people via a simple email address, avoiding the complexities usually associated with bank transfers and the like. The PayPal Android app allows users to manage their PayPal account just as they would through the official website. The app is totally secure and allows you to make purchases or deposits also amongst other activities on the move, a very useful addition to the marketplace.

Quote Pro

Quote Pro is also an incredibly useful app, used by many on a daily basis it has fast become one of the most downloaded in its range. Not only can you obtain extremely detailed and accurate information about the range of stocks you have an interest in, but you can also keep an eye on your portfolio of stocks and shares.

Tip Calculator by TradeFields

Tip Calculator is perhaps one of the most imaginative apps I have personally seen on the app marketplace. It is incredibly useful for an aspect you will have probably have struggled with every time you’ve been out for a meal, the tip. Not only will the app inform you of the total tip you should be leaving behind, but will also divide the total tip amount between the number of people at the dinner, saving much embarrassment, delays and napkin calculations!

Currency Converter

How many times have you been in a foreign country or at the airport and have been wondering how much you will actually get in return for your dollars? Numerous times in all probability. The currency converter provided by Pocketools will enable you to be provided with an accurate, up to date and independent currency exchange valuation allowing you to shop around to find the best exchange rate. Not only does this app provide you with the current exchange rate, it will also give you data on the currency of your choice over the last 5 year period through the use of many easy to read graphs.

Mileage

This is without doubt one of the best apps I have personally seen. With the rising prices of gas which look set to continue for the foreseeable future it is a great way of ensuring that you are driving as economically as possible and therefore saving as much gas as possible. I haven’t an idea about how it works but it does, the interface is also extremely slick, simple to navigate through and to understand.

Finance

Finance, whilst the name of the app may not excite you or conjure up ideas that this app is going to change the world it certainly fills a gap in the market which needed a simple app. It’s similar to Google search in many aspects, it provides a very basic user interface, but one that is incredibly effective and performs its job excellently. If you already use Google Finance or are considering starting to use it then this app is vital, it synchronizes everything meaning it’s like being on your main PC.

Financisto

Financisto is another great money manager. The ability to create long and short term budgets for holidays, short breaks or just a simple shopping trip is a real plus point for this app and one which has seen it rocket in terms of popularity. In addition to this the app has the capability to check your recurring payments amongst many other essential financial activities; this has left many users of the marketplace wondering why there is no charge.

Government Auto Auctions – What To Expect At A Government Auto Auction

You have probably seen the ads: BUY GOVERNMENT CARS AT AUCTION FOR $200. The truth is that you’ll be unlikely to pick up a nearly new, high-end car in perfect condition for $200. However, you CAN find great deals on used cars at government auto auctions. (By the way, government auctions are not limited to cars, but can include boats, aircraft, office equipment, furniture, heavy machines, and even foreclosed or seized land and houses.) Government auto auctions are held all across the country in many locations. Information regarding the auctions is available online for from sites that generally charge a small membership fee.

While government auto auctions are great for those who are looking for a huge bargain, it’s best to collect some knowledge first. The following tips will put you in a better position to grab the best deal from the car auctions.

1. Search for information that will give you a clear picture of the specific used car market that you are interested in. Different cars can command far different prices in different parts of the country. There are great online sources available such as Edmunds., kbb (the Kelly Blue Book people) and nada (the National Automobile Dealers’ Association). Print out some of the information for reference at the auctions.

2. Bring your drivers license and some other form of ID to the auto auction.

3. Be early at the auto auctions. This is definitely a situation in which the early bird catches the worm. Be at the auctions ahead of the crowd so you can take a close look at and inspect each of the cars that interest you.

4. Perform a physical inspection of the cars that interest you. Check the body fit, the paint, the engine compartment and the tires to see that each appears to be in good condition. It is highly recommended that you write down the Vehicle Identification Number (VIN) and have a friend at home check the number with an online service. Several online services will generate a detailed history of the car using the VIN for a nominal cost. The reports will list any problems with the car from accidents and sometimes even include service history.

5. Once you successfully bid on a car, be sure to closely review the contract so that it does not contain any conditions that you are not comfortable with. Pay particular attention to the period in which the seller has to deliver the title to the car to you. Often sellers do not have physical titles to the cars they are selling with them and you do not want to have to wait too long to receive your title.

6. There is no financing available at government auto auctions, so make sure you have money available to pay for any car you buy. Many auctions require that you pay for the cars you buy with a bank draft so be sure to investigate the payment requirements of any particular auction before you attend.

7. Set a limit that you are willing to spend BEFORE you get to the auction and do not go beyond that limit. Too often people get caught up in the frenzy of bidding and chase the price of a car well above what would be considered a good deal.

If you are not sure that you want to buy a car at action, go ahead and attend one just to see how the process works. You may be surprised how many quality vehicles and good deals are available.

Finally, don’t leave your brain at home. Just because a car is being sole at an auction does not necessarily mean it’s a great bargain. If the car needs serious repairs of has a checkered history, it may not be worth much. As always, information is king.

Get good information, do your homework, know in advance what you can spend and inspect the cars as much as possible before you head out to the auctions and you will find some great deals.

What Stands Behind Capital One Credit Cards and Savings Products?

In the times since the global financial crisis, it has increasingly become a concern as to what the backing of the financial institution that issues your credit card or holds your saving account is. There are a number of laws which regulate the financial system and try to ensure that customers can rely on banks to honour their obligations which can be a particular concern in relation to savings products. Title 12 of the United States Code in part 325 specifies a number of ‘capital adequacy requirements’ in relation to all banks. The aim of these requirements is to force banks to adequately provision of a crisis and ensure that they will remain solvent even if there is a large crisis. Banks must report periodically on their arrangements to show regulators that they are meeting the capital adequacy requirements.

Capital One at the moment is, when measured by asset pool, the 8th largest bank in the United States with balance sheet assets of approximately USD$286bn in 2012. Amongst other distinctions, the company is also one of the largest customers of the United States postal service. Its head office is in Fairfax County Virginia and the current chairman, CEO and President of the company is Richard Fairbank. It is one of the fastest growing banks in American history having been founded in 1988 by the current CEO. Like many banks in the American financial system, Capital One was the recipient of a bail out during the sub prime mortgage crisis of 2007 when it received $3.56bn from the United States Government in exchange for 3,555,199 shares in the company. By the end of 2009, the company had managed to buy the government out of the business.

As well as being involved in credit cards, Capital One has an Auto Finance Division which is a substantial part of the company. An entity known as Capital One 360 is also now in existence having formerly been known as ING Direct on the idea that a bank could perform retail services entirely on the basis of an online model. This division of the company has no branches and only maintains a physical presence in the form of call centres and online processing maintenance facilities. The online bank model seems to achieved some success given that the lower overheads from rent and staff result in lower costs to consumers and therefore a better outcome.

One of the notable characteristic of Capital One is that it appears to have retained an ability to ride out the periodic financial storms which emerge in the world of consumer credit. It has grown consistently throughout good and bad times in consumer finance and continues to grow based on the analysis of its most recent financial data. This history of growth and the ability to ride out financial storms appears to bode well for the credit and savings products of Capital One.