June 2016

With the purchase price of an ATV being much less than the average street motorcycle there are more options for financing your ATV than when purchasing a motorcycle.

The goal of this article is to provide you a view of four popular types of ATV financing. Your success with each method will depend on if you have good or bad credit.

1. Manufacturer ATV Financing

It is likely that if you have spent any time looking at ATV magazines you have seen an advertisement or two highlighting atv financing from top brands like Honda, Kawasaki, Suzuki and Yamaha. Usually these advertisements have a very low minimum payment like $49. While the payment may look attractive you should consider if this is the best ATV loan for you.

In deciding if a manufacturer loan is best, you need to consider the terms. For instance, look at how long the promotional term lasts. If it is 24 months will you have enough to payoff your outstanding loan on the 25th month because making the $49 payment does not pay off the loan? If not your interest rate will increase to the standard rate of 17%-22% and your minimum payment will also increase.

If you have the cash to pay off your loan at the end of 24 months than the promotion may be a good thing for you, if not then you should probably opt for a fixed rate installment loan that is offered by most online lenders and has a fixed rate for a long term.

Manufacturer ATV financing is typically more suitable for those with good credit rather than bad credit applicants.

2. Online Atv Financing

With online ATV financing you will get fixed rate ATV financing for a specific term. These loans are normally called personal loans meaning that they can be used for a variety of personal reasons such as buying an ATV, furniture, home improvements and a variety of other things. Terms on ATV personal loans will normally be up to 60 months and for excellent credit rates can be as low as the 5% – 8% range. Bad credit applicants can also get approved for online personal ATV loans, but the interest rate may be a bit higher.

3. Credit Card ATV Financing

If you are looking for a short term loan for your ATV purchase, a credit card may be a good option if it has a good promotion. For instance some Visa, Mastercard and discover cards offer 12 months no interest for new accounts. If you can afford to pay off your ATV purchase at the end of 12 months this could be a great option for you to use.

4. Hybrid Atv Financing

The hybrid Atv financing method typically uses a combination of financing options. One popular method is to use a short term manufacturer financing promotion and then when the promotion period ends you transfer your loan to another promotion on a Visa, Mastercard or Discover card.

For instance, you could get …

Tattoos have always had symbolic meaning both to the the wearer and to the society they live in. As tattooing has exploded in popularity much of the original tattoo symbolism has fallen by the way side.While many tattoo designs have completely lost there original meanings, facial tattooing has remained taboo. This has allowed its symbolism to remain mostly intact.

The tattooed tear drop under the eye dates back to at least the 1960’s and it symbolism varies depending on the placement on the face and if the tear drop is filled in or empty. An empty tear drop most often symbolizes that the wearer has lost a loved one and they are permanently crying, but the empty tear drop can also symbolize a longing for revenge. If this revenge is carried out in the form of murder the tear drop tattoo is then filled in.

Also placed under the eye but with a less cryptic meaning is a dollar sign. The dollar sign symbolizes that money is all the wearer can see. The symbol began popping up around the early 1990’s and is most often seen on southern gang members, though the tattoo has crossed over and several entertainers now wear it.

A little known use for a cross tattoo design is to place it directly between the eyebrows on the bridge of the nose. This symbol,which started in New Orleans, symbolizes the wearer has committed at least five murders. Only worn by seasoned killers this tattoo design has not made the cross over into mainstream tattooing.…

Humans have a natural, inbred desire to hunt and gather. We are just built that way and 100 million years of evolution created the way we are. In today’s civilized society, money has become the representational value of our hunt and gather lust.

Consumerism itself is just a modern day version of hunting down a Sabertooth tiger and proudly presenting its skin on the cave walls or home so all who come can see how well you hunt. Gathering or collecting, especially money, appeals to our sense of security and power.

The quickest way to make money is to gather it, that would equate to saving it. But the even quicker way to make money is to have it tumble in all by itself, on auto pilot. This is a new phenomenon and is an extension of our wish to gather what we value in abundance.

In the 1500’s banking was invented and the idea of interest and compound interest was created to satisfy one of the humans most basic urges. To gather what we value without having to constantly go out and get it. This is what interest and compound interest is. Even the bible talks about compound interest (I believe) when it states, “to he who has much even more will be given unto him, while he who has little will lose even the little he has”

Earning $5000 dollars a day is a simple matter if you are prepared to do the work. If your mind is stuck in the wage slave mentality, you may find it hard to imagine how this sort of wealth could be achieved. However, if you understand how time leverage works and can develop a system or a concept that can make you even a few dollars a day without you having to go out and gather it every day, but instead it comes to you on it’s own, then in that creative act you have the seed to manufacture a $5000 dollar a day income.…

A panel of five fitness experts gathered their opinions and thoughts on a specific question for the standAPARTfitness.com Round Table Discussion. The panel was asked the following: “Aside from the prominent letters after a strength coachs’s name, where does the line cross between CSCS and Personal Trainers (CPT)? What are the major differences between the two professional roles?”

In no specific order, their answers are as follows:

Rick Karboviak, CSCS: “In today’s realm, and with respect to CPT’s of all organizations, there are some that try to do sports performance programs with their general fitness knowledge. Some of these trainers know how to step things up to a sport’s higher demands and more specific demands, while others merely copy or mimic what other, more highly educated and experienced strength coaches do. It’s these ones who merely try to copy what the CSCS knows and applies daily, and the trainer tries to do it haphazardly, just to make a sale of packaged sessions in the end. Other trainers do study the sports performance methods, maybe obtain other sport-related certifications in the field (there are Speed/Agility/Quickness Trainer certs, Specialist in Strength & Conditioning certs, among others). They then apply their new knowledge they have, after having obtained it through quality education (study, workshops, internships or mentorships), and observation, before they apply anything to their clients.”

Chris Blake, MA, ATC, CSCS: “As far as where does the line crosses between the CSCS and CPT certifications; there are distinct and equally respectable qualities with each certification. I can’t speak for the CPT group as I am not certified as a personal trainer. But the scope of practice states:

Personal trainers are health/fitness professionals who, using an individualized approach, assess, motivate, educate and train clients regarding their health and fitness needs. They design safe and effective exercise programs provide the guidance to help clients achieve their personal health/fitness goals and respond appropriately in emergency situations. Recognizing their own area of expertise, personal trainers refer clients to other health care professionals when appropriate. In order to challenge the exam you must have CPR certification as well as a high school diploma/GED.”

Certified Strength and Conditioning Specialists (CSCS) are professionals who apply scientific knowledge to train athletes for the primary goal of improving athletic performance. They conduct sport-specific testing sessions, design and implement safe and effective strength training and conditioning programs and provide guidance regarding nutrition and injury prevention. Recognizing that their area of expertise is separate and distinct, CSCS consult with and refer athletes to other professionals when appropriate. A bachelor’s degree (BS/BA) or chiropractic medicine degree granted by an accredited institution and current CPR certifications are prerequisites to challenge the exam.”

Dr. Kwame Brown, PhD., CSCS: “As I understand it, the major difference between the CSCS and the CPT certifications is that the CPT spends more time on addressing those with health issues in a training environment, and is more geared toward personal training at a health club. The CSCS is geared toward those who …

For businesses concentrating only on the domestic market, they may miss out on different opportunities the international market offers. If you make a foray into the international market, you may increase your profit as well as protect your business from the negative effects of slowed-down growth. Apart from that, this will allow you to diversify your portfolio.

Among the most crucial ingredients for success in the exportation business is export trade finance. Exporters want to get paid for their products as fast as possible. On the other hand, customers from foreign markets would want to delay payment until they’ve received the products or perhaps resold these. To become competitive, your company must be capable of offering payment terms which are very attractive to possible partners.

Important Factors To Consider When Selecting The Best Financing Option

The amount of time in which the product is financed – This is considered the most important factor to consider. Experts highly emphasized that your choice of financing will be greatly influenced by how long you’ll wait before receiving the payment.

The cost of financing options – If there are several financing options to choose from, you have to look into them meticulously, most especially the interest rates. Be reminded that these costs can greatly influence the products’ price along with your potential profit.

Risks – Transactions are not created equal. There are those that are riskier than others. Experts have emphasized that the riskier the transaction is, the more you’ll find it hard to finance. Economic and political stability can actually compound or increase these risks.

Amount of orders – If you are receiving plenty of orders, your working capital might not be sufficient to meet such increased demand.

Getting Expert Help

You can actually get help from commercial banks with an international department when it comes to dealing with the export trade finance needs of your company. Choose banks that are familiar with the export business. These banks will provide your firm with a wide range of international banking services.

After finding this kind of bank, consider scheduling a visit with the international department for you to know and be aware of the different matters like your export plan, banking facilities, services, and the applicable charges. In case your partner importer fails to pay for the transaction, your business will bear the responsibility of paying for the loan. With the use of instruments like letters of credit as well as credit insurance, you and your chosen bank can greatly benefit from the improvement of the export receivables’ quality.…

Starting a restaurant will require a lot of effort. Also, the rate of failure can be very high. But success is also very possible.

In any business endeavor, success is relative. For you to ensure that you are on the right path towards success, you need to do things correctly. In starting a restaurant business, here are a few of the correct things that you can do:

Begin with a concept. This is one of the most important stages in your business planning. The type of your restaurant can be the reason it will succeed or fail. You can choose the one that is close to your heart, or to your stomach. The type of food, ambiance, and experience that you enjoy very much from other restaurants can be incorporated in your own.

You need to make sure that your preferences are also the preferences of the general public. Also, avoid going for themes that are the themes of several other restaurants in your area. Chances are, you will have so many competitors and there will not be enough customers to help your business survive.

Look into trends and market studies and decide which restaurant concept you will be willing to gamble with.

Survey the location. When going a location for your business, there are a few vital factors that the place should have. First, it should be accessible to potential customers. A more populated area is your best choice. It should be near residences, schools, or business establishments.

The surroundings should also be clean. Since you are to enter a food business, your customers will always look into the cleanliness of the place. And when your surrounding buildings and structures look presentable enough, it will positively affect the image of your business.

Another aspect will be the safety of the place. You would want to entice people to come to your restaurant. And there is a greater possibility that they will come if the place is safe than when it is potentially perilous.

Check requirements. There are local and national requirements that you might need to comply with. These may include health certificates, license to operate, environmental permits, and many more. To be sure about which papers you need to have when you apply for your business permit, you need to check with the local government of the location of your restaurant.

Do not be disheartened when you are tasked to come up with lots of papers. This can be the standard of most cities and as long as you are doing the right thing, your business will be at the right direction.

Gather funds. Of course, you need to have enough money in order to move on with your plans. You will need money in order to process your permits. You will also need a lot when you need to purchase or rent the building or land area where you are planning to put up your business.

If you do not have enough funds coming from your own …

Financial Accounting is one of the most popular and sought after courses. At the same time, it is quite difficult to study and master. The subject has a lot of elements that may leave a student perplexed and bewildered when writing statements and solving financial cases. Most of the times, the students are hard pressed for time and grapple with a lot of academic assignments simultaneously.

Online Help and Its Significance

When facing such an issue, the students can make use of online homework assignment help websites. Seeking help and guidance from these websites assist the students in submitting their work on time. They are saved from being penalized when there is a delay in submitting the assigned tasks.

Help Available for a Variety of Subjects

The online academic help websites offer expert assistance and guidance in a variety of subjects. Students pursuing subjects like Finance, Engineering, Accounting and more may need this help from time to time. The students can also enlist this help to write dissertations, thesis, and essays. The professional academic experts can guide the students in solving complicated case studies. Thus, this is a remarkable support system available for the students.

Judicious Use of Finance Homework Help

Having decided to seek finance academic help from a reliable and reputed academic portal, the students must keep below factors in mind-

1. Seek help only on a selected topic in which the students is facing a lot of difficulties. This way, they will not have to shell out more money. This help is beneficial only when a student is unable to complete an academic task due to lack of knowledge or time. Moreover, the students must try to finish the task themselves and only if they are not able to, they must approach a professional academic help website.

2. Look for a reliable and reputed academic help site. There is no dearth of academic portals making tall claims of offering high-quality services. It is always better to seek services from a portal that is known for providing quality assignment work completed well within pre-decided time. They must adhere to the quality and timely delivery commitments.

3. Check if the website allows the students to speak with the experts directly. Direct communication with the experts helps in minimizing the chances of any confusion or misunderstanding. This way, the task is completed as per the expectation of the client.

4. See if the online academic website also offers live tutoring option. The availability of this option is a further benefit to the student. They can reach out to the experts at any time of the day whenever faced with a complicated topic. The experts can tutor the students and help the students in getting an in-depth understanding of the topic.

It is vital that these online websites are chosen only to get an in-depth and a clear understanding of complicated concepts.…

The marketing aspect of the pressure washing business or any business for that matter should be the most important part of your business. You can have the most expensive equipment and know exactly how to do the work, but without any customers your business will fail.

The marketing aspect of many small businesses is often put last on the priority list. In the initial stages of the pressure washing business just as much time and effort should be put into marketing as doing the jobs. Later, as you build a client base less emphasis can be placed on marketing, but the first year in business is where marketing your business is crucial.

Here are 5 top ways you can use to market your power washing business:

1. Make sure your customers become repeat customers.

It’s easier to make the sale the second time around because you’ve built trust and credibility into your clients mind. If you do quality work they will most likely need your services again in the near future. Document the clients name on a spreadsheet and make follow-up calls every few months.

Even if they don’t need the work right then, many times you will land a job because they will recommend your company to their next door neighbor or someone else they know. Just by calling you’re establishing a relationship, and people will keep you in mind when someone they know needs work done. Also make sure you leave them your business card or some other way they will remember your company information.

2. Advertise online

The internet is quickly replacing the phone book as a medium to advertise in. Make sure you get your website or company information in online directories. It’s important to have a website for your business to give you an advantage when marketing online, and it’s a credibility factor for your potential clients.

3. Use flyers in strategically placed areas

Instead of scattering your flyers all over the parking lot, try placing them in the waiting rooms or in small business waiting rooms. Post them on church bulletins so many different people will see your flyer instead of one person. It’s also a good idea to go to your local real estate offices and hand the agents your flyers.

4. Calling and faxing

Call a list of apartment complexes in your area and fax the property managers your company information. Usually if they need a bid for pressure washing they will tell you or call you later on.

5. Network with contractors and property managers

Spend some time getting to know property managers and contractors in your area. There is solid potential for repeat business if you find the right people to work with.…

It may seem like an intimidating prospect, but if you have a little knowledge about your situation, buying your next car is not as daunting a task as it may seem.

When searching for a dealer for your next vehicle purchase it is important to realize that not all dealers are created equal. Sure every Chevy dealer sells the same cars, however, different dealers have different finance sources and this makes all the difference to the credit challenged customer.

I advise choosing a dealer who often advertises its ability to help customers with credit issues. This dealer likely has a large number of finance sources for these customers.

When you go to the dealership don’t hide the fact that you have credit issues. You will be asked to fill out a credit application so the finance department can submit your information to its finance companies to see who will offer you the most favorable terms. Don’t be afraid to ask which finance companies your dealer is submitting your information to. Write these down, you may want them later.

It may be anywhere from a few minutes to a few hours or more before the finance manager knows if he will be able to get you approved for financing. If they send you home, use the time to research some of the finance companies that you have applied with. You may find negative reports about a finance company and decide that you would not want your car financed with them.

When a finance company is considering your application they look at several items including your credit score, time on the job, income, time at residence, debt to income ratio, and cash downpayment. All finance companies have different formulas on determining credit risk.

Once the dealer receives a credit approval you will be invited in to view cars that will fit within the lenders guidelines. If the dealer only shows you three or four cars and you are not satisfied with your options, don’t be afraid to ask for more vehicles to choose from. Usually the dealers will have a few other vehicles that may also work.

If you decide to purchase a car, the finance manager will present you with loan closing documents. Pay attention and read these documents carefully. Ask questions as they arise. Don’t hesitate to stop the finance manager and ask him to repeat or explain something. Pay particular attention to the Truth in Lending disclosures on your retail contract. Here you will see the interest rate and the total amount of interest charges expressed as a dollar amount.

If you decide not to do business with the dealer, don’t leave the dealership without finding out which finance companies approved your application. Armed with this knowledge you can go to other dealers who deal with the same finance company and already know that you are approved.

With these simple guidelines purchasing a car form a New Car Dealer with bad credit can be less intimidating. If you need …

Venture Capital isn’t the only answer. But it’s one of very few answers if you want to take your business to a materially different level. Many other financial routes are closed off in the current climate and non financial adjustments, whilst potentially positive, will not have the same impact.

Recruitment attracts entrepreneurs. The UK is without doubt one of the global hubs for recruitment. There are more agencies in London than there are in the whole of the US, but that does make it difficult to stand out from the crowd.

Venture Capital vs Bank Loans

Taking a significant step forward with a business usually requires some sort of investment and in general there are 2 recognised financial routes. The first is a bank loan and the other is venture capital (or private equity).

If you pursue the bank loan route bear in mind, as a recruitment company is not an asset backed company (apart from its debtors which normally attract finance for working capital) it’s never been easy to borrow money against a recruitment companies future profits, given that the assets leave the office at 6pm every night and hopefully return the next day.

Traditional banking has never been more difficult than it is now. There are many reported cases in the last few years where companies have borrowed from a bank, have been able to repay the interest but have been in breach of the long list of banking covenants. These covenants are scrutinized intensely by super-keen analysts, who seem all too ready to press the alarm bell, sending in the bank’s friendly business support team. In turn, this often leads to them calling in the administrators… and the rest is history… in many cases.

Undoubtedly the dangers of obtaining bank loans have never been greater, peppered with high charges, conditions, key ratios and draconian penalties, if you can get past the hurdle of getting one in the first place.

The alternative method of raising finance is by attracting an investor such as a venture capitalist, whereby you sell a piece of your equity in return for long term investment. However, this is hardly a piece of cake either. Nevertheless, it’s generally regarded as the best credible alternative to a bank loan.

Benefits of Venture Capital Specialist;

Knowledge; If you choose a venture capitalist with experience, or preferable a focus, in your chosen market you will gain a partner with considerable insights and practical experience.

Advice & Mentoring; Their expertise will be extremely useful in terms of acquisition or strategic advice, management infrastructure, succession planning and of course exit. If you haven’t been part of an exit before, an experienced partner will be invaluable, both with practical advice, business preparation and contacts in the market. They’ll then not only add value in general but will unlock the value of the equity, a specific skill which many owners don’t yet have, because they haven’t needed to.

Understanding; The right VC partner will take the time to understand your business. …