Tuesday, November 13, 2012

No Down, Little And Low Down On Used Semi Trucks, Big Rig And Over The Road Trucks, Special Financing Program

In today's used semi truck, big rig and over the road trucks market, there are special financing programs that require no money, little and low money down to commence a financing arrangement. This one special program is in the South East part of the U.S and will do this for qualified applicants for a 0 documentation fee

Here are the requirements below for the semi truck financing program..

1) Minimum Credit Scores start as low as 550 however the higher the better to qualify for this program
2) A signed and dated lease application
3) Summary page of your last three months personal and/or business bank statements
The more money showed in the account at the end of each month the better
4) A hauling reference showing who you will lease on to or proof a good solid contract to prove income
5) No outstanding child support issues on the credit report
6) If there is a bankruptcy, it should have discharged three years or longer and proof of re-estabishing credit
7) Home ownership is a plus but not mandatory
8 ) No way of line debt ratios and/or line items on the credit that will cause a problem
9) No outstanding tax liens..

This dealer/lender has over 200 semi trucks, big rigs and over the road trucks for sale. These semi trucks are ready to go and the process to get approved is fast. Prior years tax returns are not usually required but a working spouse can only help support the income base to assume new debt.

The semi trucks that the qualified dealer has are from 1999 to 2008 and include Peterbilts, Kenworths, Freightliners, Volvos, Macks and Internationals..

The dealer/lender will work with startups and understands that each situation stands upon its own merit with its own story
If you are interested, contact me at 800-760-6863 or email me at

In addition, this dealer/ lender has over 100 trailers as well to go with the semis..These trailers include reefers, dry vans, low boys, drop deck, end and bottom dump, and other various trailer models.

If you don't qualify for this special financing, other dealer truck programs are still available to you. We even have a no credit check program that starts with a down payment with a special easy lease application... Call for the Details....

Happy hunting for your semi, big rig and over the road truck financing.

Sunday, November 11, 2012

Free Email Templates

So you've just gotten back from holiday and your budget is looking a bit bleak. Perhaps you have new clients/projects that require communicating but you just don't know which avenue to choose. Perhaps Facebook? Then again, that's not professional. Maybe emails?

They're not successful if done on your own. Free email templates with a reputable email marketing company? Now that's a clear winner. They are cost-effective and extremely successful for email marketing campaigns and newsletters.

Whether you're for or against allocating a lot of funds to your small business after the festive season, you will agree that any free investment that promises to take time off your hands when you're playing catch up to the New Year is a good thing.

- There are a wide range of email templates that you can get for free for various industries such as: arts and entertainment, hospitality and travel, business, technology, media and PR, real estate, health and wellness, customer service, food and wine, retail and fashion, NPO's, architects, and automotive.

- There are also various types of email marketing templates to choose from for different occasions such as: email cards, eflyers, promotional flyers, and email.

- You can also go further to choose free email marketing templates with different themes and events such as: holidays, event invitations, and special occasions.

- Depending on the occasion, event, and industry, you will pick a layout that's suitable with sufficient columns. Often, too many columns are not recommended as they take longer to load in email accounts and people generally prefer not having to scroll to the side; especially if they're accessing your email newsletters via their mobile phone.

Many email marketing companies offer free email templates that your business can perfect to send bulk email marketing messages, or direct email marketing messages.

These free email templates are not only saving valuable money, but are also professionally designed for email marketing success, thus saving you the time, effort, and skills training needed to design an email template. However, free email templates can still be modeled to reflect your business.

Friday, November 9, 2012

Actuarial : Actuarial Science, Actuary & Me

Actuarial Science? What are actuarial science and actuary? Are they the same things? According to Wikipedia, Actuarial science is the discipline that applies mathematical and statistical methods to assess risk in the insurance and finance industries. An actuary is a business professional who deals with the financial impact of risk and uncertainty. Actuaries have a deep understanding of financial security systems, their reasons for being, their complexity, their mathematics, and the way they work.

You can be a genius in mathematics but not must in actuarial science. Actuarial science is NOT ALL about mathematics, but involving lots of statistics, modelling, finance, economics, accounting and so on. So, even when you don't end up as an actuary, you will still have other career options such as working in risk management, investment, etc. Hence, if you love mathematics, you will love pure mathematics. If you love applying mathematics (in business or economics), you will love actuarial science.

Actuarial science DOES NOT guarantee a HIGHLY paid job. Only qualified Actuary get paid in millions depend on the need in different countries. Fresh actuarial science graduate does not make you different from any other graduates at all. And, there are MANY Malaysians currently studying actuarial science. (JPA scholars, Bank Negara scholars, SC scholars, Khazanah scholars, UKM, UM, UiTM, USIM, UTAR, INTI, Taylor, HELP)

It's easy to get a bachelor's degree in actuarial science. But it's not easy to be an actuary. Undoubtedly, the route becoming an actuary is a very tough. If not, millions of people will become actuaries and the job prospect for actuaries will be really bad. My advice is thinking thrice before you make a decision to get into the program, don't jump into it for the wrong reason, i.e. money. I know that some actuarial majors brag about actuaries getting paid millions, including me! Yes, it is true but take note that you only get paid well if you're good in term of many things, such as soft skills.

Become an actuary, you must not have the actuarial science degree. You can become an actuary by taking any bachelors degree, but it is better to take something related degree, like mathematics, statistics, economics, finance, etc. The most important is the professional exams. But, most people who take actuarial science fail to become a qualified actuary.

What are the criteria to become an actuary? According to Be An Actuary website, you must have an excellent business sense with a knowledge of finance, accounting, and economics, keen analytical, project management, and problem solving skills, specialized math knowledge, strong computer skills, and solid written and oral communication skills. In addition, you must enjoy learning, like to solve complicated problems, enjoy writing and talking to people, can work effectively alone or as part of a team, are interested in a variety of historical, social, legislative, and political issues, and are self-motivated achievers.

After a short briefing of actuarial science and actuary, let's talk about Why Actuary? If I say I take this course not because the highly competitive salary, then you will definitely not believe me! To be honest, yes, the MAJOR reason I choose actuary as my career is because FINANCIAL FREEDOM (just a major reason, there are some minor reasons). Then, I thought that I have a moderate amount of logical, mathematical, and analytical ability. Since I do not want to teach, being more practical than abstract, mathematically, I thought that being an actuary would be all right. And as a not-so-bad student, I have no other choices! Because there is a myth in Malaysia: Best student always take Medicine, Engineering or Actuarial Science. Finally, I choose actuary as my career due to the myth.

If you are really interested in Actuarial Science, what I think is that getting a local degree or overseas degree is just the same. The most important is the professional examination. There are many ways to pursue actuarial science degree, since I am studying in local university, I just talk about the local one (Malaysia). For SPM students, you can try to get the scholarship, such as JPA/MARA (I think it will become easier to get this scholarship after the 308! ), Bank Negara, Khazanah, SC, Great Eastern and so on. If you didn't get it, you can try to get into Asasi UiTM (for Bumiputera only!), Matriculation, STPM or Private College/University, like INTI, Taylor, HELP ).

After Matriculation or STPM, with CGPA 4.00, you may do actuarial science degree locally at UKM, UM, USIM, UiTM. For non-Bumi, you just can gain the admission into UM or UKM only. One more option is UNITAR.

Well, for those who aspires to become an actuary but failed to get admission to the course, should not give up but instead go into courses like Statistics or Mathematics and start taking actuarial professional examinations.

The path to become an actuary involves going through a well-structured education plan. This involves university-level education and professional examinations, as well as other requirements. You should prepare and start your professional examinations since the first year you get into to University or College ( or even STPM ). For the professional examinations, you have to think about what are the options of societies or institutes.

For me, like my most other seniors, choosing Society of Actuaries (SOA). But now, I am still just a second-year, first-semester actuarial student. The road is still very long. I hope can finish 5 papers before my graduation. Here we go!

Tuesday, November 6, 2012

Commercial Real Estate Loan, Commercial Small Real Estate Loan, Commercial Real Estate Loan Rates, Refinance Commercial Real Estate Loan

Acquiring or buying a property for commercial purposes involves huge funds and hence borrowings play a key role in real estate business. Even if there is sufficient finance at hand to own a property usually one prefers to borrow as the surplus money can be used for other business purposes. Cost of a loan is what a borrower thinks all the time as it is crucial in deciding the fate of the loan seeker. And it is all the more important in commercial real estate matters. Commercial real estate rates therefore should be carefully studied before taking the loan.

Commercial real estate loan rates depend on some basic factors. First of all it should be made clear that commercial real estate loan rates are usually lower interest rate loans. The rate of interest depends on whether the loan is secured or unsecured. Any secured loan comes at lower rate of interest rate and unsecured one with bad credit history on the top of it comes at higher rates. In case of commercial real estate loan lenders keep the very commercial property the borrower intends to buy as collateral. With the loan fully secured lenders provide commercial real estate loan at lower interest rate.

Usually commercial real estate loan rates are lower in the range of 6-7 percent. This means buying any real estate is cheaper through commercial real estate loan. But lower interest rate also depends on lender to lender and credit history. In the competitive loan market each lender has own rate of interest. Compare them and further lowered interest rate can be achieved. Your credit history also determines the rate. A good credit history certainly gives more confidence to the lender and he can lower the rate of interest. Another way is to see how much you are borrowing in relation to the value of commercial property. If the borrowed amount is way lower than value of the property you can take a reduced interest rate. See if you can make a larger down payment so that borrowings remain smaller. Surely for taking commercial real estate loan at lower interest rate one needs to fulfill some high condition like good credit history.

In case you are not that highly qualified borrower, you have the option of hard money'. There are lenders who are willing to accept risks in lending money to say bad credit people at high interest rate. Hard money loans for commercial real estate buying may range 12-16 percent based on risk factors.

A lot on interest rate front depends on how many commercial real estate loan providers have you studied and compared. These lenders can easily be approached on their websites. Compare individual interest rates and settle for the suitable lender. Apply online to him for fast processing and approval of the loan.

Commercial real estate loan rates are usually lower rates but a lot depends on how much eligible a borrower is. Good credit history and lesser borrowing as compared to the value of collateral certainly enable in taking a reduced interest rate.

Monday, October 15, 2012

How to Qualify for Bad Credit Car Loan

Acquiring a car loan can be more complicated if you have bad credit. This is because many lending companies strictly require good to excellent credit. Furthermore, you may find that the lowest rates are reserved for those with above average credit.

Hence, if your credit score needs improvement, you may need to take extra steps to improve your chance of getting approved. In this article, let's discuss the steps you can do before applying for a bad credit car loan.

Be realistic. First, you need to objectively evaluate your situation. Do you really need to buy a car at this time? Are you ready to take on your payment obligations to your car loan lender? If you really need to buy a car, what type of vehicle do you have in mind?

If you have to apply for a bad credit car loan, it would be best to keep the loan amount as minimal as possible. Obviously, this isn't the best time to buy your dream car. Choose a car that you can afford and can serve your purpose at the same time.

Consider car dealer financers. There are car dealers that offer bad credit financing at the same time. But you need to be very careful when trying to close a deal as some car dealer financers are known to take advantage of the customer by imposing excessive interest rates and fees. Before you sign up for the loan, be sure to read and understand all the statements in the contract.

Save for down payment. It is very seldom that a dealer will provide bad credit financing without asking for down payment so it's better to be prepared.

Negotiate for a better deal. Some people may not try to negotiate because of their bad credit. But even if your credit score isn't perfect, you are still a customer who deserves fair treatment. Hence, it's always worth the effort to try and negotiate for a better deal. Don't grab the first offer immediately. By taking this extra step, you can significantly reduce your interest rate and monthly loan fees.

Prepare the paperwork. You will be required to submit documents that will prove your capability as a borrower to keep up with your loan payments. Examples of documents that you might be required to submit are copies of your pay slips, driver's license, utility bills, bank statement, car insurance, personal references, etc.

Strengthen your eligibility. Despite having bad credit history, work on your positive points. For instance, bad credit car loan lenders will be looking for stable employment so if you've just recently been hired, you should wait until you are through with the probationary period or you have reached the regular employee status before applying for a car loan.

If you are a tenant who have just moved to a new location and have just began a job at a new company, you're most likely to be considered as a "high risk customer" and therefore, your car loan application may get declined.

Sunday, October 14, 2012

Discover The Range of Great Extra Service The Post Office Has To Offer

The Post Office is a long running institution that has been delivering and sorting the UK's post for over 350 years, and now the Post Office has a range of other great services to offer customers such as travel insurance, credit cards and Insurance.

We are all well aware of the amazing services that the Post Office has offered us over our lifetime, and it has been a solid establishment in the UK for over 350 years. And not many people are aware of the amazing other services that the Post Office now offers such as Insurance, finance and travel money. The Post Office pride themselves in offering their customers the best value and service that is available, so it is no wonder their extra service receive wide acclaim and support throughout the business, travel and finance sectors.

So the Post Office not only delivers your parcels and letters but they have a wide range of other extremely reliable services to offer their customers. One of their exciting services is Post Office Insurance. Customers can now benefit from car, home, van pet and life insurance from the Post Office. All of their services are easy to apply for and super easy to claim for as well. You can benefit from instant cover so you are automatically protected once you have purchased your insurance, you can also pick from a range of payment options to suit you best. They offer some of the best quotes and prices in the country so make sure you consider the Post Office Insurance when you are looking to renew or get a new contract.

Many of us need a little finance help every now and then, and now there is the Post Office Credit Card. The Post Office has a range of great finance options for customers and you can benefit from a range of great deals and offers. You can even receive 0% on all of your purchases for the first 3 months, 0% commission on any purchases you make abroad and 0% on all of your new balance transfers. The Post Office also promises to protect you against loss, damage and theft, so you are always protected with your credit card. You can even manage your account online to allow for an easy and helpful service.

When you are planning your trip abroad you can also turn to the Post Officer for a range of reliable travel services. One of the most important things to remember when booking your trip away is travel insurance. And luckily the Post Office offer great travel insurance offers that have won them many awards for their protection and services. You can get single, multi and annual trip converge and you can even benefit from 10% off when you book online. Policies are quick and easy to secure so you can spend more time getting excited about your holiday than worrying about your insurance. They also offer great rates on your currency; you can pick up your holiday cash from one of 1,500 local Post Office branches and even order for hone delivery on orders above 500. They also pride themselves in taking 0% commission of your money that sets them apart from other competitors on the market.

For more information visit:

Thursday, October 11, 2012

Selling A Walmart Gift Card

Do you have a gift card you don't plan on using anytime soon? Do you tend to misplace gift cards before they are used or just let them gather dust in your sock drawer? If this describes your gift card redemption habits then you should consider selling your Walmart gift card. That's right, you can get sell your Walmart gift card and get cold hard cash in return. Of course you will likely have to sell the gift card at a discount from the gift cards total balance but even doing this you are likely to come out ahead. Anyone who has gone to a financial advisor has heard the speech about liquid and illiquid assets, think of your gift card as an asset or investment. Holding a Walmart gift card is a lot like holding stock in Walmart, just stock that does not earn any interest, might be lost/stolen or in some states may even expire. You could hold the Walmart gift card for months on end, but as an asset it is not giving you any value. Now if you turn the card into cash you are free to buy something you need wherever you want, you can put the money in the bank, invest it or use it towards a vacation. It all comes down to what you value more, some potential future purchase at Walmart you may never make or whatever you would consume or invest in today if you sold your gift card.

If you have decided to sell your Walmart gift card then the first thing you will need to do is check the Walmart gift card balance. This is easy enough to do, you can check the balance of a Walmart gift card by phone, online or in the store. The easiest thing to do is flip your gift card over and read the information on the back of the gift card. It will definitely have instructions for checking the Walmart gift cards balance online, by phone, or both. After you know your cards balance it is time to decide where and how you want to sell your gift card. There are many ways you can find a buyer for your Walmart gift card in this article we will look at the easiest way to sell your gift card that brings you the maximum return.

By far the best way to sell your gift card is online. There is a website called Giftah.com that lets you sell Walmart gift cards or gift cards from just about any place that issued gift cards in the United States or Canada. The website pays you a percentage of your gift cards balance in cash. They will pay you by check or Paypal depending on your preference. The best part about selling your gift card on Giftah is the simplicity of the process. It took me less than two minutes to sell my card and the payment arrived very quickly. Unlike some of the other methods for selling gift cards the nice thing about selling your card online is that you don't need to exert the time and energy to track down a buyer for your gift card. After all time is money.

You can also consider selling your Walmart gift card by listing it on Craigslist, Kijiji or another local classifieds online or in a newspaper. People who prefer to sell their gift card locally use this option, however it takes a significant amount of work and time for the card to be sold. You must list and ad, if it's in a newspaper there may be a small fee. Then you wait for a response, if you are lucky and get a response you can than schedule a time to meet the person who would like to buy the card. Remember safety first! Be sure always meet people in a public area where you feel safe.