Friday, November 29, 2013


If you have had a negligently repaired fourth degree tear, you need to speak to a medical negligence solicitor about the treatment you received, as it may well have fallen below an acceptable standard. If so, you will be entitled to compensation for the damage you have sustained.

What is a fourth degree tear?

During the course of a vaginal birth, it is quite common for the perineum to sustain some form of trauma. The severity of injury will differ from case to case, and will often be determined by factors such as: the size of mother and baby, the length of the second stage of delivery and the use of forceps (or other forms of assisted delivery).

When a perineal tear does occur, medical staff should perform an examination to identify how much damage has been sustained. This will range from a first degree tear, which involves injury to the skin only, to a fourth degree tear, which involves damage to the internal and external sphincter. A fourth degree tear is therefore an extensive injury and must be repaired properly if a woman is to regain normal function.

How is a fourth degree tear repaired?

If a fourth degree tear is diagnosed, a repair should be carried out in a well-lit theatre. Adequate pain relief must be provided, usually in the form of an epidural, and the injury stitched by an experienced obstetrician or colo-rectal surgeon. After the procedure, a woman should be advised upon wound management, while antibiotics, pain relief medication and laxatives should also be prescribed.

Negligently repaired perineal tears.

It is important the entire defect is mended, or a woman will be left to experience on-going complications such as incontinence of faeces and flatus and faecal urgency. Evidently this will be extremely embarrassing for a woman, who may no longer feel able to work, socialise or carry out other day to day tasks. Depending upon the nature of the defect, a secondary sphincter repair and/or additional treatment will be necessary, although a successful outcome is not always possible. Future deliveries will also have to be carried out by way of caesarean section.

What action can you take?

If bowel symptoms do persist after a fourth degree tear, it is important to establish whether the wound has broken down, or whether the repair was performed to a substandard level. In the case of the latter, a woman will have been the victim of medical negligence, as the doctor in question will not have demonstrated the necessary skill and expertise. If this has happened to you, you will be legally entitled to pursue a medical negligence claim for the pain, suffering a loss of finances you have experienced as a direct result of your injury.

To find out whether you are able to make a claim, you need to contact a legal expert who specialises in this area of the law. A medical negligence solicitor will be able to assess the details of your repair before suggesting what action you should take next.

Copyright (c) 2012 Julie Glynn


Read this article if you want to better understand how to calculate interest rate and how to determine the real cost of a loan. There isn't anything too complicated here, but many people don't take the time to do the math. The result is that people end up with unexpected expenses and aren't sufficiently prepared to handle the financial burden.

Whether you have good credit, bad credit, or no credit, taking the time to understand interest rates will pay off.

The Simple Math To Calculate Interest Rates

When principle, rate, and time are known, the simple formula for calculating simple interest is as follows:

Principle x Rate x Time = Interest

Add interest to the principle loan amount, and the resulting figure is the total amount you will have to pay back.

Let's use an example:

Say you borrow ,500 and agree to pay it back over 3 years at 4%.

Plug these numbers into the formula:

Principle: 3,500 x rate: 0.04 x time: 3 = Interest: 420.

The interest on this loan will cost 0, making the total cost ,920. Unfortunately, most loans aren't quite so simple. Stay with us, however, and all will be revealed.

One term that can mystify borrowers is APR or annual percentage rate. If a bank or lender talks about the effective rate of interest, remember that this is the same thing as APR, but is different from the stated rate of interest. This loan involves compound interest. Understanding what these terms mean is essential. Here's how to calculate APR. Let's look at a loan to be paid off in less than a year. Let's say you borrow 00 from a lender to be paid off in 150 days. The stated interest rate is 7%.

Now use the following formula:

Days in the Year (360 is a common figure used by banks) / Days Loan is Outstanding x Stated Interest Rate = APR (effective rate)

Plugging in the numbers looks like this:

360 / 150 x 0.07 = 0.168 (17%)

Your APR, or the rate you will actually pay for this loan is 17%. Once you know the APR, just multiply by the principle to see how much interest you will pay. On the 00 loan above at 17% you pay 4 in interest. Knowing how to calculate interest rates allows you to see clearly what the cost of borrowing will be.

Take a moment to digest the above information before continuing.

Many bank loans are based on compound interest. Always make sure that you are calculating your costs based on the effective rate, not the stated rate.

Don't stop reading, however, because there is an important difference when it comes to credit card interest rates and other short term borrowing like payday loans.

Effective Annual Rate

The concept is the same, but interest is compounded daily or monthly instead of annually. Even though credit card companies talk about APR, their interest rates are more accurately referred to as EAR, or Effective Annual Rate.

Because the math is a little bit complicated, we will only present examples here. Rest assured, the EAR will always be a little bit higher than the stated APR. A credit card with an APR of 12.99% will actually charge an EAR of 13.87% when compounded daily. A high APR will cost more. Anyone with an APR of 29.99% actually pays 34.96%.

Call it unfair, call it a stacked deck, but these are the realities of borrowing with a credit card. On top of all this, credit card companies charge late fees and transaction fees. The best way to avoid lining the pockets of lenders is to pay on time and to borrow at the lowest rates you can find.

Although it is not always possible, credit cards are most effectively used for simple convenience, to be paid in full every month.

Once you have wracked up a debt, however, you will have to play by the lenders rules until you are paid in full. Once again, the best approach is this situation is reign in expenses as much as possible and concentrate on paying the maximum each month. Debt consolidators can help facilitate this process by laying a groundwork that is easy to follow.

For many people, paying off debt is easier when they can see the big picture and chart their progress. The basic job of a debt consolidator is to find a single loan to pay off many smaller loans. Ideally, a lower interest rate is achieved, often by offering collateral like a house.

Fixed Interest vs. Variable Interest

A final note about interest rates: there are two common types called fixed and variable. A fixed rate remains the same for the life of the loan while a variable rate is tied to investments and will go up or down with the markets.

Depending on the state of the market and the direction it is moving in, a variable rate can be cheaper or more expensive. Most people struggling to get out of debt choose a fixed rate in order to simplify a complicated situation.

Despite the relatively simple math, most of us glaze over when it comes time to think about interest rates.

Even though it might not be fun, doing the numbers will be much less unpleasant than writing even one more payment check than you have to. Take the time to learn how to calculate interest rates before you borrow and always pay off your loan as fast as possible.

Thursday, November 28, 2013


Undoubtedly, top quality cars are very important resources for many organizations. Acquiring at your disposal the proper type of vehicle for your business needs helps to ensure the correct stream of your procedures and also sustains productivity and efficiency.

Even so, you may find yourself at a loss in terms of the entire process of picking and acquiring a vehicle - whether used or new - for your company's use. Many business owners are under the impression that the only viable option would be to purchase a vehicle; however, if you want to create a truly informed decision, you must look into van lease packages and compare their benefits with that from actual purchases. There's a big likelihood that you'll end up having the realization that leasing a vehicle is the way to even bigger income, better transportation, as well as general improved productivity.

Buying a vehicle for your enterprise truly places you in danger, taking into consideration all the requirements and financial obligations that go along with it. Van lease options, alternatively, afford you the same vehicle use experience at a substantially lower rate. Besides this, leasing also signifies that you're permitted to obtain full tax reduction on your payments since they number among the deductibles for a business. This ought to be music to the ears of any company owner looking to lower instances of business funds going out.

Leasing has many additional advantages. For instance, investing in a car can be very limiting depending on your budget. With van leasing, you've got a wider array of models and makes to choose from. What is impossible for you to buy could be very much easy for you to lease. At the end of the day, you're offered access to the very best wheels there are on the market. One other nice benefit would be the fact you don't have to worry about the cost of the van diminishing over time; after all, you don't need to sell it in the future to finance the purchase of a later model van. Apart from these, the van lease contract usually states that repairs and also other maintenance services are included in the deal. Whatever the case, around the time the vehicle begins manifesting the natural outcomes of wear and tear, all you have to do is give back its keys.

For businesses planning to acquire the best automobile for their use, van leasing typically presents itself as the most suitable choice. Considering the benefits mentioned above, it's easy to see why.

Wednesday, November 27, 2013


Genworth is promoting it's new long term care insurance product, Cornerstone Advantage, as an affordable LTCi solution. In today's market, there is only one way for an insurance company to offer lower priced long term care insurance coverage - and this is to cut their costs! But how is Genworth doing it?

I was recently asked that very same question. Since I haven't been able to get my hands on a policy or even an Outline of Coverage yet, I went to the Genworth website to look at their consumer marketing brochure. The wording is a bit vague, but there are some points that stood out to me.

Please keep in mind that I'm NOT a licensed Long Term Care insurance agent. You'll want to get professional advice before making any LTCi decisions. As the wife of a retired LTCi broker, I suppose I'm as good as any non-LTCi professional would be at deciphering a marketing consumer brochure. So here goes...

After reading the Cornerstone Advantage consumer brochure that is in PDF form on Genworth's website, here are my understandings:

The main difference between Long Term Care insurance (LTCi) policies that have been sold in the recent past and the Cornerstone Advantage is that the Advantage only covers 80% of costs. It's like health insurance. Not only will you have the typical "deductible", or elimination period, as it's called in LTCi policies, but you will also have a copay of 20% of your care costs. You can choose a high daily benefit, but Genworth will still only pay 80% of the daily long term care costs. That means, if your home or nursing home care costs are, say, 00 per month, you will need to come up with 0 per month.

Next difference? The Genworth Cornerstone Advantage doesn't cover rent or room and board costs if you are in an assisted living facility. Now that's a big deal. Room and board can be the most expensive part of assisted living facility's monthly bill, depending upon how much care you need. Clay and I looked into a lovely assisted living facility in Washington state. They wanted 00 per month for room and board - not including any actual care services like assistance with showering, transferring, eating or toileting. Each service was charged for separately and tacked onto the room and board costs.

I'm assuming that the Cornerstone Advantage LTCi product would cover most, if not all, types of needed services, remembering that Genworth will only pay for 80% of these service costs. However, I cannot be sure about which services are covered without seeing the actual policy wording.

It seems to me, that Cornerstone Advantage inches closer to the old days of "nursing home only" policies, although it does cover Home Care. What part of or what kind of home care is covered I don't know, as the Genworth website did not elaborate on the subject.

The last big difference: From what I read, the Cornerstone Advantage does not seem to provide benefits by the year. Instead, it looks as if you choose how much Genworth will pay out in total. The wording on Genworth's consumer brochure says this: "The whole idea behind Cornerstone Advantage is affordability. You choose the daily benefit you want. You also select the total amount of protection you want in dollars - from 0,000 up to million."

Alrighty then... This means that you'd better plan for the absolute worst scenario. Otherwise, you may end up paying all your long term care costs out-of-pocket when you've used up your "total amount" and your coverage ends. This feature may be a nightmare in the making for those who do not calculate future care expenses correctly. And who can know their future care needs?

The plan includes Care Coordinators, but you don't need to use them. Who knows? One might need care coordinators in order to figure out just what services Cornerstone Advantage covers, when or where they will be covered, and what won't be covered at all.

So, in my opinion, Genworth's new product seems to eliminate some pretty important benefits in order to cut their premium price. Is there anything they are giving you to make up for it? Well, yes.

From what I can gather, Return of Premium is built into the product and is automatic in the event of your death. Again, the wording of the consumer brochure was pretty vague. so check this out with your LTCi broker to make sure. Return of Premium is usually provided as an "add-on" rider that increases premiums, but it looks like Genworth's new product provides it as a "freebie". There are many folks who want to get their premium costs back if they don't use any benefits of their policy. Some folks may not be able to afford to pay for a Return of Premium rider as well as the immensely important inflation protection rider, so this is a nice feature of the Cornerstone Advantage.

Cornerstone Advantage also offers a 35% couple's discount if you and your partner apply for or own Genworth's long term care insurance policies. Apparently, this applies even if one of your applications is declined. Ask your LTCi specialist if the term "partner" applies to your living situation. If you don't already have a expert, specialist-broker, you can get your questions answered by your Long Term Care insurance Buyer's Advocate.

The Shared Benefit looks as if it is available as a rider, and is available to couples who buy identical polices.

Although the Genworth website did not specifically state this, I'm assuming that their inflation protection options are available as a rider, too.

Is Genworth's new LTCi product right for you? That will have to be decided by you and your LTCi broker. If I were considering this Cornerstone Advantage as a choice, I'd keep these points in mind.

1) Will I have enough income or savings to cover the one time deductible AND the monthly copays?

2) Since this product does not pay for assisted living rent or room and board, would I be able to pay for those high monthly bills? Or instead, do I have friends and/or relatives who will be willing to help me stay in my own home, with help of Home Care services?

3) Considering long term care costs are currently rising more than 6% per year, am I willing to take the chance that I will be able to figure out my daily benefit and total amount of protection amounts ahead of time (and just hope I don't need more)?

4) Am I young enough to even apply? It appears that Cornerstone Advantage isn't available to purchase for those 75 years of age or older. Seems most LTCi companies are encouraging folks to get LTCi at younger ages these days.

As with any LTCi policy, make sure that you completely understand all "gatekeepers" that may be in any policy you choose. A gatekeeper is any wording that may affect your benefit pay-outs, such as the number of Activities of Daily Living you need to have assistance with before your policy kicks in. There can be many gatekeepers in LTCi policies.

Of course, only your actual policy contains the exact terms and conditions of coverage, so read it carefully.

Monday, November 25, 2013


When you think about living full or part time in Central America, Costa Rica seems to be the first country that comes to mind. Having spent a fair amount of time in both Costa Rica and Panama, I may be able to offer a somewhat unique perspective when comparing the two countries. While both countries are similar in many respects, there are some major differences in property in Panama versus property in Costa Rica that you should be aware of.

First of all, there are many similarities. Both properties Panama and Costa Rica have mountains, oceans, beaches, volcanoes, tropical rain forests, zip line tours, hot springs and exotic wildlife. Both countries have more residents who speak English in the bigger cities, while very little English is spoken in the more remote areas. Both countries have similar temperate climates, and both are quite beautiful. I honestly can't think of a single good thing about Costa Rica that you can't also find in Panama.

Now let's talk about the differences, and they are significant:

Roads: Costa Rica is famous for its bad roads, and they are terrible. Every time I'm in Costa Rica I can't believe how bad the roads are, while the main roads on Panama land are all paved and relatively pothole-free. Why are the roads in Costa Rica so bad? I have no idea, but trust me, they are horrendous.

Cost of Goods: Panama is a big winner here. Thanks to the Panama Canal and its huge port, manufactured goods are much less expensive in Panama. Household appliances, electronics, building materials, almost everything is more expensive on Costa Rica land. I haven't had a lot of experience buying cars down there, but I've heard from reliable sources that Costa Rica has a huge tax on automobiles that I know for a fact Panama doesn't have. Apparently a ,000 car in Panama would cost over ,000 in Costa Rica.

Currency: Again, Panama comes out ahead. The official currency in Panama is the Balboa, which is tied directly to the U.S. dollar. The paper money (one dollar bill and up) is all U.S. currency, and there is no exchange rate. The currency in Costa Rica is the colon, and exchange rates fluctuate on a regular basis. You need to constantly change your U.S. money into colones, bring a calculator everywhere you go, and always be aware of locals trying to take advantage of you. Financial transactions of any kind are much easier on property in Panama.

Capital Cities: When you fly into San Jose, Costa Rica, it feels like you've landed in a third world ghetto, but when you fly into Panama City it feels like you've arrived to a modern, cosmopolitan metropolis. It's really about that simple the difference between the two cities is staggering. San Jose is a dirty, dangerous place with about four street signs in the entire city. Panama City has dozens of gleaming new skyscrapers and is in an obvious phase of progressive expansion. The reason that Panama City is light years ahead of San Jose is because the U.S. was actively involved in the Canal until 1999, so the infrastructure is surprisingly modern. It's not a coincidence that a Trump Tower is going up in Panama City, but not in San Jose.

On a side note, I have found the people in Panama City to be much friendlier and more helpful than in San Jose.

Crime: No contest here; Costa Rica has a much higher rate of crime. Armed robberies, carjacking and other violent crimes occur far more frequently in Costa Rica. In 2007 the U.S. State Department designated Costa Rica as a high crime rate country for tourists. While these crimes do occur in Panama, the incidence is much lower and occurs primarily in the Canal Zone, between Panama City and Colon. I've been living part time in Santiago (three hours west of Panama City) for over a year, and nobody I've talked to has ever heard of a murder, armed robbery, or even a mugging. I've left tools and work boots outside of my house for weeks at a time, and I've never had anything stolen. This would be unheard of in Costa Rica, where theft is a common, everyday occurrence.

(View source:

Real Estate: Let's save the best for last; you can purchase land in Panama for a fraction of what it would cost you in Costa Rica. The same large six acre lots with ocean views and riverfront that I'm selling in Panama for around 0,000 would cost at least 0,000 in Costa Rica. Land in Costa Rica is roughly five times more expensive than comparable land in Panama.

Another big difference between the countries involves squatters. In Costa Rica if you buy land and squatters move onto it, in three months they actually have rights to your property, and protracted legal action is required to get rid of them. Incredible, but true. On Panama real estate squatters have no legal rights whatsoever. If you buy land in Panama, leave it alone for ten years, and upon your return people are living on it, you can have them removed immediately.

I think the facts speak for themselves. If you visit both countries, I think you'll find out for yourself that to purchase land in Panama is far superior choice then Costa Rica for a variety of reasons.

Sunday, November 24, 2013


In case you are feeling bothered about your ever growing credit card debt and believe that there's no longer any escape for you at all, then you're undeniably wrong. You have lots of options on how you can manage your credit right, so you can achieve all the benefits of it in the long run. You may also consider consolidating credit card debt.

Consolidating credit card debt, when compared with other forms of debt dealings offers you more advantages than you could ever imagine. Rather than announcing debt bankruptcy or debt management that can only help you in a short while, going after this kind of way is definitely much better than the rest. Here are some important tips you need to know about consolidating your credit card debt.

Since debt consolidation is all about combining all your existing credit card debts and putting them altogether in just one monthly payment, you'll definitely be able to cut down on excruciating interest fees that further add even more debt to your credit and to your name. You can even make the payment methods much faster through this kind of method so you will also be able to make the most out of your debt as well as your credit score.

The best thing to learn about consolidating credit card debt is it has various forms to do it to maximize its benefit. Therefore there isn't any strict approach on how to do it and it is as flexible as you can possibly ever imagine. For example, there are several zero or low interest options available, or equity loans that you can use as a homeowner, or you can also go after obtaining a personal loan, which ever you consider will benefit and help you most.

If you are seriously thinking about consolidating credit card debt and you have already made up your mind as to which of these types of debt consolidation choices to go after, then it's now time for you to call your creditor to go over other options that you might have. It is important that you will settle all your debts on time, but more than that, you also need to make sure that you can maintain your credit rating as a credit card holder of the company.

If you can follow all of these tips, then you can be assured of that you won't experience any problems in your future expenses.

Saturday, November 23, 2013


Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers permanent forgiveness for late payments and will no longer assess the customary late fee when a payment arrives after the due date. While the offer sounds great on surface, if you dig a little deeper you will soon learn that there are some things about the new Citi Simplicity card that can cost you more money in the long run. Let's take a closer look at what this credit card issuer is really offering with its new card.

The Problem

Consumer advocates have long cried foul when it has come to credit card late fees and penalties. Not only would you be assessed a one time late fee ranging from to if your payment arrived late, but your interest rate could be permanently increased to the default rate, typically as high as 29% annually. This double whammy further made it difficult for you, the credit card holder, to ever pay down debt.

Citibank's Solution

In a bold marketing move, Citibank one of the largest issuers of credit cards in the world came up with its Citi Simplicity card in response to criticism levied by consumer advocates at the industry and at the bank personally. The new card, with no annual fee and no late fees, is designed for card holders who have been bitten by the late fee bug. No longer will you, as a card holder, have to worry if the check you sent off just before the payment due date arrived on time. With the Citi Simplicity card, a late arriving payment will be credited and no late fee assessed.

Taking a Closer Look

Within Citibank's offer are a few things that you should understand before you make the switch:

1. A late fee will not be charged to your account, but your interest rate may surge to the default rate. The default rate, in this case, can be as high as 29%! That's bad news for you especially if you had a fixed low rate previously.

2. You could also get a false sense of security by incorrectly believing that paying late regularly doesn't harm you in some other ways. For instance, consistently forwarded late payments can become part of your credit report, thereby negatively affecting your ability to purchase a car or a home down the road at a favorable interest rate. Important to note, a higher interest rate can add thousands of dollars to the purchase of a new home.

3. Finally, Citibank will waive the late fee only if you promise to continue to use the card. This is bad news for you especially if you are trying to reduce your balance each month without having to purchase something new, which simply adds to your balance.

In all, the Citi Simplicity card has much more to it than what meets the eye. For some people, the new card is a welcome change especially if you are one who pays off his balance in full each month. If you aren't, the Citi Simplicity card may cost you much more in the long run. Should you fall into this second category, it would be better for you to keep your existing card or shop for a new card with other features and more favorable requirements.

Wednesday, November 20, 2013


Credit history is thought to be a credit report-card when it comes to an individual's past borrowing history. It has all the information about late bankruptcy and payments. It has such importance that t it is considered to be a person's credit reputation, the main point to consider while applying for any kinds of credit.

US nationals are entitled to get a free copy of their credit history reports from any US consumer credit reporting agency and even national specialty consumer reporting agency. The credit history report is available once a year upon request. Nonetheless, these free credit history reports don't include a consumer's Credit Score. They provide only a list of accounts so the users can corroborate the financial details.

You may get lucky enough to discover free government publications which may help you understand your credit report and scores. The best way to go about it is to search for sources online. You are bound to find codes and notations along with various explanations and tips to better your Credit History. What you could also do is sign up for a free online credit services which could keep you posted on various matters concerning your individual credit history.

IF what you are looking for is a complete free service then you may have to go a long way to compare online offers. With every Credit Score hosting virtually the same subscription charges and content, what you really need to look for is which one will successfully demystify the credit landscapes.

Check if the site has preference settings so you can customize the format in which you want to receive your credit report. Credit score and credit simulators comparisons are essential tools you will need to search for in a credit score site.

What you will also need to make sure is if the Free Credit report and scores are collected securely and directly from the best credit bureaus. Look for security settings and understand what all account information is taken while signing up.

Concealed fees can be a bad experience and the best way check this is to know how soon and how much of the service subscription be cancelled. Some websites will continue billing your account well after the said trial period if you do not discontinue your service.

Tuesday, November 19, 2013


If a company owns one or a fleet of bucket trucks, they are possibly the best operations asset that a company can ever own. Like any other commercial vehicle, buying commercial tires can really cost any company a considerable amount of money. Yet the benefit of getting brand name and quality wheels can far outweigh the cash invested. In other words, getting quality tires could eventually give a company more value for its money in the long run.

There numerous kinds and brands of tires available in stores. There are some things that need to be considered before getting such an item for bucket trucks. Shopping can be done either online or shop in a store's physical location. One needs to know the right size and the right kind of tires for the vehicle. A buyer should also know which ones need to be replaced, the drive or the steer wheels. Resolving these issues before shopping will save both time and effort. Following is some important information about buying commercial truck tires.

* Get the exact details needed. Generally, on the outside of the wall can be found all the information needed for the wheel that is to be replaced, including information about the width, aspect ratio, and the type needed. There are two basic types of truck tires, cross-ply (bias-ply) and radial. The radial design is for automotive use and the fibers inside the wheel are threaded 90 degrees sideways. They are designed this way to reduce the rolling friction. These offer so many advantages they have basically become the standard design of tires today.

* Know the thread designs. Thread designs differ depending on the purpose and usage of the truck. The Rubber Manufacturer Association (RMA) has set guidelines for threads designed for both mud and snow and usually have M+S, M/S M&S or just the plain MS marked on the wall. Otherwise, there are designs that help avoid hydroplaning and threads designed to minimize wind resistance along with other thread designs that meet the customer's trucking needs.

* Be determined to get quality tires. These are expensive yet can ultimately save time because they will last longer as they are designed for more mileage compared to their cheaper counterparts. Better quality wheels save money in the long run since they give the truck a smoother ride over the roads with less acceleration, thus having the potential to save the company a considerable amount of money due to a lower fuel cost.

* Decide to replace both pairs of wheels to have a balanced tractor-trailer. If the decision is to only replace one set of tires on only one side of the vehicle, bear in mind that the old ones not being replaced will already have lost rubber leaving them thinner when compared to the new ones. The truck may get slightly off balance since the new tire is thicker than the old one, especially when the vehicle is loaded with heavy payloads.

* Great deals for quality wheels are readily available online. Major companies have websites for viewing their goods online where semi-truck tires can be purchased. By being able to browse and match the model of the truck, this can make the shopping easier and more convenient.

* Shopping at a local store for vehicle parts has the advantage of personally seeing the tires and getting first-hand information from a sales representative who can further explain to you the benefits of what best suits the needs of a particular truck.

Lastly, successfully acquiring more costly commercial vehicle tires may cause a company to spend more money initially; yet the eventual outcome of long-term savings will surely make that initial cash payment well worth the investment. Getting the best quality wheels for your bucket truck means greater savings and may increase your company's long-term profitability!

Monday, November 18, 2013


If you have the requirement of urgent additional cash because of managing several financial hardships, same day cash are right option for you. To find an easy and hassle free financial cure for your inevitable cash crunches, this can be the pertinent loan service for you. To meet the expenses in an urgent manner without any long loan procedures and time taking formalities, grab quick and hassle free aid right away.

To search the better loan deal of same day cash, go for the online money lenders as they provide various loan quotes to choose the best suitable for you. Comparisons and negotiation is necessary before applying. It definitely helps you to make a fair decision. To get applied, complete a single online application form with few required details and submit it. Once you are approved, the money will transfer in your bank account in less then 24 hours.

To get applied with same day loan, your credit history does not have much impact on the loan approval process. The reason is that this loan is free from credit checking process. Even if you are having good scores or suffering from various defaults, you are welcome. Easy monetary support from this loan can be available to all borrower irrespective of having bad credits or imperfect scores.

It can be available to you without any collateral demand because of its short term nature. This loan is secured against your upcoming payday. The loan procedure remove all the mess related to assessment and property related documentations and paper work. The loan amount is also short that basically depends upon your monthly income up to 1500. It can be repaid back within a month or when you receive your next payday. Short term expenses like grocery bills, credit card dues, utility bills, tuition fee, library bills etc. can easily be taken care of.

So, to fill your financial pitfalls that comes in the mid of the month, same day cash is right financial aid. To disperse your financial needs on time preventing yourself for further bigger debt problems, choose this loan option for very day loan support.


A negative or positive credit score is largely depended on a person's credit settlement history. An accumulation of overdue and defaulted payments will result in a very negative credit score and have a dismal effect on your credit worthiness. Aim to control your credit status by having your payments on current' or pending' terms. Here's some tips that will help you to tackle long over due payments in an efficient and effective manner.

Make some initial payments to bring your loan from being past due to current status.
Pay the relevant amounts to renounce the charge offs on your past due accounts.
Interact with your debt collectors to arrive at settlements with regard to your collection accounts.

If your credit report reflects debt collection, a credit repair process will have to be implemented immediately with a prime concern on eliminating the debt collection entry from the report as this will make it impossible for you to obtain any further loans to facilitate credit repair and will have a negative effect on your credit score. Negotiate with the debt collectors to arrive at a feasible solution that will reflect positively in your credit report.
Ideally you can make a settlement payment negotiated with the debt collector in respect of the overdue amount and request the lender to cancel the debt collection entry from your credit report.
In most cases the debt collector will refuse to delete the information from your credit report until payment is made in full to eliminate the entire arrears, if negotiations are not successful on a settlement amount, make arrangements to pay the total outstanding in exchange for the information being taken off your credit report. Once your credit score is back to being positive you can explore building credit in order to meet the amount you spent to settle the over sue loan.
Sometimes lenders will not be willing to take off the entry even on complete settlement if their policies state so. Under the circumstances you should negotiate with your lender to update your credit report as paid in full. Then even if the entry still remains in your credit report it will not reflect in your credit score.
If you are unable to meet the above conditions due to cash flow restrictions, try to repair credit by making a partial payment on the outstanding loans and ask the collector to update your records as paid or settled. However, such a payment will not significantly enhance your credit score.

Make sure that all transactions and final outcomes of your negotiations in relation to credit repair are in a legal binding written form. In case of a dispute it will help you to seek the advice and guidance of the credit bureau and the documentation will be your proof of testimonial. When you build credit you should remember that in addition to your legal obligations you are morally responsible to settle off your debts. Outstanding payments will reflect in a negative credit score and potential lenders will question your credit worthiness if you continue to default on your credit cards and other loans.

Thursday, November 14, 2013


Purchasing a house can be extremely thrilling, however when you are tackling multiple offers, it is tremendously important to keep cool head and not let your feelings -- or your competitive nature -- overshadow your good judgment because there are a lot of unscrupulous maneuvers a homeowner can implement when confronted with potential purchasers attempting to outbid each other for their home. Real estate professionals are also susceptible to taking advantage of both the purchasers and sellers to boost their commissions higher and closure rates more impactful. Without a doubt there are accepted rules of engagement that deal with such scenarios, however they are not always respected -- so all involved has to stay focused and alert for signs of foul play.

To curtail unfair tactics that arise in the bidding procedures, some provinces literally make it illegal for sellers to list any price that they do not plan to agree to simply to escalate a bidding war. There are specific regulations involving multiple offers that involve non-disclosure of details while demanding that any alterations to the bidding procedure must be discussed with all parties before implementing. However in the search to finagle a higher bid, often times critical facts are intentionally revealed or even misrepresented to influence the potential bidders.

Ideally, when buyers find themselves up against multiple offers, they will present an agreement that has as few terms and conditions as feasible and gives a fair amount for the home with the hopes it will entice the homeowner. It is generally hard for prospective purchasers to resist the urge to make excessive offers in the heat of the moment, a behavior that can be exploited by unscrupulous sellers and agents who could send back a perfectly good offer to see if it can be sweetened.

Bargaining strategies frequently incorporate an agreement between the seller and their agent not to disclose multiple offers, and purchasers in these circumstances are not even alerted that there is competition for their offer. Most sellers, however, are very keen on letting all purchasers know that they are anticipating other offers, but it then becomes their duty to make sure no sensitive facts leak out and that the process remains fair for all parties. This does not stop some realtors from communicating with their colleagues by making it public that bidding has started on one of their listings.

Another tactic sometimes used by unscrupulous sellers is deceiving potential purchasers, and also their realtors, by entertaining offers they have no desire of considering just to panic the other purchasers and starting a bidding war. A few homeowners even begin with a very low price in hopes of creating massive interest that will generate bids so high they actually go over the value of the property. However such schemes may backfire when word gets out among the real estate industry that a seller is influencing a bidding war because they will refrain from bringing their buyers to look at the property.

Tuesday, November 12, 2013


Making high returns from property investment is not as easy as it sounds. There are a number of considerations to be made and proper property management Brisbane must be carried out if maximum returns are to be sought. Landlord insurance increases the chances of having the property managed well and provides protection against any unfavorable circumstances that might occur during tenancy. It gives the landlord peace of mind that their highly valuable asset is not misused. Property management companies can provide good guidance to the type of landlord insurance policy that is most appropriate for your property.

One can never underestimate the benefits of landlord insurance. Firstly, it becomes an essential requirement if you are living in another location and find it difficult to pay regular visits to your property. Having an insurance cover means less worries about property getting damaged or misused. Secondly, you can claim for any repairs that might be required in the event that the property gets damaged during tenancy. It is very common that the tenants misuse the property. For example, they might drill hooks in the wall or paint using an inappropriate color. Any structural damage is well covered in the landlord insurance. Thirdly, any legal expenses that might be incurred by the landlord for settling disputes with the tenants are also reimbursed from the insurance company. Fourthly, compensation is provided if the tenant defaults and is unable to make the rental payments. There can also be an instance when a tenant abandons a property without notifying. This might cost the landlord thousands of dollars. Landlord insurance provides peace of mind to the landlord that there will be adequate compensation to cover for the loss.

There are various options available for insurance policies. According to the location, size of insurance and other particular requirements, compensation varies. You also have the option of opting different modes of paying premiums that best suit your needs. A low insurance premium is charged if you install proper security devices such as fire alarms and burglary alarms. Different companies will be offering different premium rates and services. A thorough research must be carried out before choosing the right insurance provider.

Landlord insurance protects the interests of landlords when they rent out residential or commercial properties. In case of any damage, theft or other undesirable incident, interests of the landlords can be rightly safeguarded with landlord insurance. Property managers provide complete guidance to the type of landlord insurance policy that should be purchased.

Sunday, November 10, 2013


Bin databases are used by all small or large firms for reliable checking of financial cards and to ensure trouble free business. Bin stands for bank identification number which serves as a signature for identification of all types of cards. The six digits which constitute bin reveals a lot of information needed to rule out the possibility of financial frauds.

Bin amex is the bin database comprising of bank identification numbers of American express cards. Bin visa and bin master card are dedicated databases of visa and mastercards respectively. The advantage of bin amex is that the merchant do not need to invest in the whole set of bin database when the majority of his customers can or are using American express cards alone.

Benefits of bin amex varies from protection from credit card frauds to fast approval of transactions. The cashless transactions are still on the rise and the need for good anti fraud measures has resulted in custom made solutions like bin amex. Such solutions are far result oriented and contain the most accurate and reliable data. The data of course can be derived either from general databases or from commercially available data bought from card payment processing companies.

The latter is much comprehensive and the bin amex is one such. The details of American Express cards are derived from the service provider directly and this helps in an accurate verification of credit or debit card. Apart from the common classic credit, debit and charge cards, bin amex also offers details on bin numbers of cards such as Black, Blue Cash, Blue for Business, Blue Cash, Bonus, Business, Business Platinum, Cash rebate, Centurion, Citic, Corporate Card, Delta etc.

All these cards vary in their nature and limits of coverage and international payment terms etc. A bin amex contains the latest and up to date information on these cards and the details are therefore of use where firms process claims majorly from such cards.

The bin amex database is really fast enough to allow online and live checking of cards. It takes less than the time it takes to swipe to verify the contents of bin amex database. The bin amex system after verification issues a warning if there are any suspicions for the transaction. This can be linked to accounting software that automatic filtering features can be enabled. On receiving the warning from bin amex, the customer can choose to allow or stop the financial transaction.

Apart from the regular online shopping malls which process large number of credit and debit cards, there are insurance companies which rely on databases such as bin amex for their sustenance. The bin amex is therefore used to verify the insurance frauds also. Medial firms which process insurance claims are also increasingly relying on bin amex for verification of the claims.

Apart from these superficial benefits, bin amex also helps in securing the finance by being linked to e-commerce platforms. When there is a suspicious transaction, the bin amex raises a warning which is passed on to e-commerce platform and the system can be modified to stop transaction for such cases.

Saturday, November 9, 2013


Small business finance acts as a stepping stone for the small businesses, to explore innovative and holistic approach of business to increase their profits. With small business finance borrower can minimize the difficulty of funds that the borrower comes across during the business.

Small business finance depends upon nature of the business i.e. new or seasoned business. Amount fetched through the small business finance can be used for various purposes like buying a land, furniture, raw material, advertisement, machinery, outgoing expenditures etc.

Depending upon the borrower's requirement he can either opt for the secured or unsecured loans. If the borrower wants to enjoy the attractive features and larger loaned amount then he should opt for the secured small business finance, but for that he has to place some valuable collateral against the loaned amount.

Borrowers who are looking for small amount can opt for unsecured small business finance. Unsecured small business finance is often availed by those borrowers who are unable to place collateral against the loan amount. Tenants or non-homeowners can avail the unsecured business finance at the competitive rate of interest.

Small business finance can be accessed from various lenders like prominent banks, institutions, lenders. With these, nowadays small business finance is also available through the online market.

Online has proved to be a simple and the fast method of acquiring the small business finance. While opting for the small business finance borrower must not forget to compare the quotes of different lenders in respect to repayment period, lower interest rate, and the loaned amount.

Borrower with bad or poor credit history like CCJ's, bankruptcy, defaults, arrears IVA, etc can freely opt for the small business finance.

The most important task to obtain small business finance is preparing a business plan. In small business finance, business plan provides the borrower to know what amount to be raised for his business.


Personal loans help in lots of situations. Need a car to get to work, have a leaking roof or other needed home repairs, have children with education needs, need to upgrade your skill levels to earn more, want to start a small business, or have an emergency? Whenever you need quick cash for any purpose a personal loan fits the bill.

You do not have to be perfect to get approved with us. Loans get approved every day for applicants with every credit level. Bad credit, slow credit, no credit, 360 loans can help. Applications and approvals are fast and easy. When you want to be sure you get the right loan you need help from our team of specialists. Their experience has taught them how to look at every loan creatively. They see all sides of your situation to identify possibilities for you.

Personal loans are unsecured loans. What does that mean? Equity loans or lines of credit often need to be backed up, or secured, with something of value. A car, a house, or a business could each secure a loan. But you need enough equity or ownership in your car or real estate to back the loan. One of our loans can be approved without any assets. That is why they are called unsecured loans.

Personal loans offer fast applications, credit approval for a variety of credit ratings, and are unsecured.

How do you apply for a loan with us? A couple of ways work for you. One way is to just call us to talk with one of our trained representatives. Fill out the application over the phone with the staff person. Approvals can be given very quickly. Approvals can happen within 24 hours or less and sometimes within an hour or even minutes depending on each situation.

Online personal loans make the process even easier. Put your information into the online application. Submit the application. It's that easy. Advancements in technology enable confirmation of your information on the computer. The privacy of online personal loans is assured. And like telephone applications, online approvals are fast.

360 Loans understands that credit issues can happen to almost anyone. We look at how you can repay the loan not your past credit history. A loan with us can help re-establish credit or build a first credit history. So call us or apply for online personal loans.

Friday, November 8, 2013


Many of individuals are currently in financial hardship due to the economy taken a hit in the last few years which have increased job layoffs, higher taxes, and less money to pay our bills with. They will combine the full amount that you owe to each company and then will give you a more affordable amount to pay in order to get you out of debt. With very few options they are being sent into foreclosure or filing bankruptcy in order to be able to find some kind of debt relief. However, there are other options out there and while many of you think that obtaining specific services it may cost you a fee but that isn't always the case.

There are many companies who are created for the sole purpose of providing those who are struggling financially free debt advice. Many of these companies can be found locally or by searching online for debt settlement or credit repair companies. Before filing bankruptcy you should definitely speak to a few of these individuals to see how they can help you.You should which one can offer you the best service with the lowest rates and in the fastest time. Normally what happens is the company will get a full financial history on you and then contact the creditors in order to work out a settlement amount. They will combine the full amount that you owe to each company and then will give you a more affordable amount to pay in order to get you out of debt. They offer free debt advice and then negotiate with you on a fee that you will pay them in order to get everything finalized. Normally the fee is a certain percentage of the amount that you will be paying back to creditors.

By choosing debt settlement over bankruptcy you are working your way out of debt and helping to rebuild your credit. If you file bankruptcy you will have a hard time obtaining loans or applying for a new credit card for several years due to having it on your credit history. There are companies out there that charge a fee for the advice they give you which is completely acceptable but why pay for something when there are other companies or individuals who offer free debt advice. You should only pay a fee when they can show you some kind of results and not just discuss the possibilities with you.

You should never choose the first company that you contact either. You want to make sure who ever you hire to take care of your financial issues that they will be able to accomplish what they promise. Always ask for credentials and references from previous customers. You should which one can offer you the best service with the lowest rates and in the fastest time.

Remember you shouldn't have to pay for certain services such as advice when you can free debt advice from a variety of sources. Only pay for a guaranteed service that will get you the results that you need. Financial issues can be a large burden on our everyday life and should be resolved as quickly as possible.

Thursday, November 7, 2013


Becoming a qualified dump truck driver opens up a range of new possibilities and job opportunities. Obtaining the essential education and on-the-job skills training to safely operate a new or used dump truck will have gained a sense of confidence and should experience greater success in the dump truck industry than an unqualified driver.

It is also important to note that possessing a normal driver's license does not automatically qualify a person to operate a dump truck. Heavy machinery handled by unqualified personnel can cause serious or even fatal injuries to the operator and co-workers; this is exactly why precautionary training courses must be completed before a person can have the necessary qualifications to drive this heavy-duty vehicle.

Training Programs

There are hundreds of schools across the United States that provide the necessary training to operate a dump truck. Successful students will receive a Commercial Driver's License (CDL) once they have completed the program and passed, all necessary tests. Specific CDL's are issued for different types of vehicles, which means that holding a CDL for one type of truck does not automatically qualify the driver to operate another type of heavy-duty vehicle.

These programs involve hands-on training, where applicants are taught how to: properly operate the vehicle; loading and unloading of the truck; comprehensive safety instructions; and general maintenance information.


Not surprisingly, learning about safety is the most important part of becoming a qualified dump truck driver. Vehicles that carry heavy loads are harder to steer on the road and have the potential to cause more injuries and property damage to other vehicles if there is a collision. Under circumstances involving adverse weather conditions or slippery road surfaces, a driver's job becomes even more difficult.

Used dump trucks must be thoroughly inspected before being put on the road. Trainees must also learn to exercise extreme caution not only for their own safety, but also to ensure the safety of co-workers while on the job site. Securing cargo using chains or ropes is also part of the necessary precautions, as is the method of loading of the truck. This may involve using forklifts or even manual loading, both of which require specific training.

Load Supervision

In addition to safety, students are taught: how to examine an incoming load; how to calculate the volume and weight of the cargo; and various methods for handling the many different types of material that could be carried. Ensuring that a vehicle is safe to use before putting it into operation is the responsibility of the driver; therefore, most schools include courses about vehicle examination and maintenance, tire replacement, cleaning, and emergency repairs in case of a breakdown while on the road.

It is important to note that there are many different kinds of dump trucks, such as trailers, semi-trailers, off-road, side dump and articulated models, all of which have slightly different operating procedures. There are many truck driving schools across the country from which aspiring drivers can choose to be able to meet all of the essential qualifications required to obtain a CDL for the operation of a specific dump truck. These are the important facts to know how to become a dump truck driver!

Tuesday, November 5, 2013


If you are like most people, when you apply for a credit card, you tend to concentrate on its most obvious features: rate, rewards, credit line and the like. While these are all important issues that you should evaluate carefully before you choose a new card, they are not the only factors to consider. Many credit cards probably even some you already own include several very helpful features that many people forget to ever use.

# 1: Purchase Protection

Many credit cards today include a purchase protection program, which is exactly what it sounds like a short-term warranty on most items you buy. A purchase protection program will generally apply for 90 days from the date that you buy a new item, although the exact period can vary from one card company to another. If, during that time, your purchase breaks or is stolen, the credit card company will refund you its purchase price, up to ,000 from MasterCard and American Express and 0 from Visa. Make sure you examine the policy detail of each card you are considering, since they can sometimes vary considerably.

# 2: Warranty Extensions

In addition to the short-term coverage offered by the purchase protection program, many credit cards also include an actual extension of the original manufacturer's warranty for many purchases. This extension will generally not apply to certain items, such as cars and other motorized vehicles; for the items to which it does apply, however, it will generally double the coverage period of the original warranty, up to one year.

# 3: Online Discounts

Virtually every major credit card company has an online shopping portal that you can access by logging on to their official web site. This shopping portal will provide often significant discounts on purchases you make from a wide variety of major retailers.

# 4: Rental Car Damage Coverage

Car rental companies will generally offer you short-term coverage to ensure that you are not held liable for any damage if you get into an accident will driving a rented vehicle. However, with most credit cards, you already have this coverage automatically. The card will pay you back for your out-of-pocket expenses if you find yourself in this type of situation, including the deductible from your personal car insurance as well as any towing, administrative and other costs the rental company may charge you. The details of these programs will vary from card to card as well, such as the rental period that is covered and how any personal belongings lost or stolen are handled.

# 5: Luggage Reimbursement

You can also file a claim for the total cost of your luggage if it is lost or damaged while you are traveling by almost any means besides a car. Again, the specific details will vary from credit card to credit card; most major cards will limit the total amount they will cover to about ,000 per trip, and most will only cover the difference between the value of your luggage and any reimbursement you receive from the travel company.

Of course, no perk is sufficient reason on its own to apply for a credit card you do not need, or will not be able to use responsibly. If, however, you genuinely do need the card, choosing one that offers the best possible perks and then taking full advantage of them is only common sense.


Beginning a professional career with crippling debt is not generally considered an ideal situation. But every year for tens of thousands of college graduates, that is exactly the situation they face thanks to the student loans they took out to get them through college.

College education does not come cheaply. In fact, statistics show that, over the last three decades, the cost of a college course has increased to a greater degree than the average income. That means that, even with inflation taken into account. the costs of college have skyrocketed.

Little wonder then than loans for students are considered a must by the vast majority of college goers. Not only that, but it is not unusual for a number of separate loans to be taken out over the four or five years spent in college.

In order to effectively manage these loans, it is advisable to get a student consolidation loan, which brings the individual debt together into one entity, thereby making the repayments more manageable. To some, this may seem an unnecessary step to take, but there are several reasons why it is the wisest tactic, and two in particular.

Helps Keep Good Credit

It is a little known fact that students loans cannot be written off in bankruptcy. In that regard, they are very different to any other loan, and the stigma of not repaying the loans tends to stick. The reason is that loans for students are given a significant period of grace, which effectively means that the lenders have lost money by the time of graduation. They therefore reserve the right for full payment.

Defaulting would mean a serious hit on the credit rating of a graduate, and understandably that places a lot of pressure on them once they have graduated from college. To avoid a harsh fate in a jobs market that is weak, a student consolidation loan is the most practical solution.

Helps Recover from Bad Credit

A second reason is that should a student already develop a bad credit rating, then it is imperative that the student loan is repaid if their credit rating is to recover. Unless a well paid job is found quickly, then this is not going to happen, leaving consolidation the only practical step to take. Every lender knows that students do not have any money, so in approving loans to students they accept a higher level of risk. However, when the time comes, they will expect repayments to begin.

What a student consolidation loan does, is allow a new loan to repay the old one, but crucially, a manageable repayment schedule for the new loan can be negotiated. It means that if a lender starts to demand repayments on the student loan of perhaps USD500 per month, then through consolidation that loan can be repaid in full, while the new loan can be repaid at a rate of perhaps USD350 per month.

The new rate means that the debt is much more manageable, and the original loan is cleared too. However, it must be pointed out that any bad credit that is developed will mean that the student consolidation loan will have a higher interest rate. Therefore, it is essential that a graduate does not delay in taking control of their student loan.

Friday, November 1, 2013


Bankruptcy can get in your way when searching for finance. Once a lender reads bankruptcy on a credit report, he is scared away immediately. Yet, there is no reason to let bankruptcy come between you and your desired loan. There are lenders willing to approve loans after bankruptcy provided that you meet certain requirements.

Loans after bankruptcy can be obtained if you know where to look for them and what requirements you need to meet. Thus, you need to do your research prior to applying for a loan in order to avoid being declined and thus lowering your credit score even more due to the decline being recorded into your credit report.

Your Bankruptcy Must Be Discharged

In order to obtain finance your bankruptcy must have been already discharged. This is an important fact as there are many people that try to obtain a loan while their bankruptcy process is ongoing. This can lead to further lowering your credit score and undoubtedly will trigger an immediate decline from any lender without exceptions.

Moreover, there needs to be a certain period of time between the bankruptcy discharge and the loan application. The opinions are not unanimous as to how much time you need to let pass by. However, most lenders will require at least six months in order to even consider a loan after bankruptcy. In any case, there are no records of bankruptcy loans granted before at least two months have passed since the bankruptcy's discharge.

You Need To Show A Good Recent Credit History

However, your bankruptcy being discharged is not enough to obtain approval. Your credit score from that time on must show an impeccable credit behavior. Each lender has different requirements but most would agree that recent credit history is the most important part of your credit report and thus, even if you have a past bankruptcy, the last months should have no stains.

The idea is that you need to show the lender that your financial behavior has improved since your bankruptcy has been discharged and thus, that he is not taking such a great risk. There is also no general agreement as to what is exactly recent credit history. However, most advisors would agree that you need to show at least 6 months of timely payments with no late or missed payments at all.

Look For A Loan In The Right Places

Finding the right loan that suits your needs doesn't have to be such a complicated task. In order to do so you can search the net for bankruptcy loan lenders and you'll be presented with many different options. You need to compare what each lender can offer to you paying special attention to APRs, repayment programs, loan amounts and any other loan term that you may be interested in.

Once you've decided which lender and loan best suit your needs and budget, you can either apply online or contact the lenders by phone. Unless you apply for a secured loan, a response to your loan request will be available in a matter of hours.