Saturday, November 17, 2012

Isthe Elevation Group By Mike Dillard Is Actually Worth The Money?

The Elevation Group is comes courtesy of Mike Dillard and is creating a bit of noise. It just recently went live online and some of Mike's statements are extremely controversial to say the least. Limited information has been granted to the general population so far but I was able to review what was accessible and give you my initial impressions in this free article.

Having spent the last 12 months or so out of the public spotlight, a lot of folks were wondering what could have happened to one of the most influential marketing gurus online today.

Mike's brand new system The Elevation Group is at present a series of free videos which warns us about some chilling things to come in the economy. I know that does not sound like something new but what he informs us of in the video is far more disturbing than you can imagine.

So you are probably wondering exactly what these secret strategies are and why nobody else knows about them?

The truth is nothing you will learn in this program is something any other world class financial adviser couldn't tell you, and I'm not talking about the guy down at Edward Jones.

A big advantage this program has over an investment guru, is first of all, a true mater of investments is really hard to find, and second of all, they charge a ridiculous amount of money for their services. Mike is actually giving away a lot of this insider knowledge for free and his full program is a very affordable investment on any budget.

He also talks about how his personal trend tracking method for the economy helped him to create more than a 200 percent return on his money over the last 3 years.

All of the experts have been telling us for awhile now that this is the prime time to both start investing and to expand our portfolio, and Mike talks to us about how we can actually start creating more income with just 30 dollars to start investing with.

What's the final verdict on Mike's new program then? Is it worth my time or not?

That is a difficult question to answer as the whole system hasn't gone live yet. However, I can tell you that what Mike gives us as a teaser in his free material so far, is extremely interesting and has me highly curious to learn more.

One thing is for sure, it is always beneficial to get more information on the state of the economy and what the trends will be, and Mike seems to always be one step ahead of the game so I sure am not going to discredit anything he has said so far.

Since Mike was able to go from a very poor worker at a restaurant to a millionaire many times over by the time he turned 26, that certainly says something about his ability to predict what will happen next.

Mike will also be sharing some very cool information on real estate and how to invest with little to nothing down. I am especially curious what insider information he has on this since I have done some successful real estate investing myself in the past.

Get the full revelation directly from The Elevation Group in a full 90 minute video that will tell you everything. Simply click on my link and you'll be able to register for free of charge.

Thursday, November 15, 2012

PayDay Loans a scam?

What Are PayDay Loans?

PayDay Loans are small companies that are geared to providing small loans to individuals. They have become one of the most popular alternatives for getting loans. I mean yes it's still a loan but it's a lot easier to obtain than getting a loan from a financial institution. Especially for those that have poor and or bad credit! These companies (PayDay loan companies) generally have a max limit of 0 dollars and they secure this loan against the borrower's paycheck.

Paying back your loan

Unlike most lines of credit or loans that allow you 28-30 days or sometimes even 6-months to a year (depending on the financial special running) to pay them back. PDL only gives you 2 weeks... 2 WEEKS! Now to some that's perfect and the time frame is reasonable because some people take out these small loans for emergencies. They need money right now and can't wait a couple days for their paycheck and that's fine. Seems like a great idea, real nice service right?

Interest Rates

The downside of PDL's is they have a huge interest rate 318% (apr) sometimes up to 512% that insane. This actually keeps the borrower indebt if you ask me because now they are trapped! What's to be paid back in 2 weeks may now take a month or 2 just to cover the interest! Let's plug in some numbers here so you can get a visual of how much gauging is going on 21.2 % of 500 is roughly 105 dollars... Does anyone see the problem here?

Solution

Right now democrats are actually trying to limit the interest rate of these companies to 36% which is fair but some argue that it will kill a lot of PDL's business and it's true to an extent. A lot of these companies have other streams of income besides gauging the borrowers. They cash checks, produce money orders and they do money transfers. What will end up happening (if this bill passes) Pawnshops will see an increase in business because people will then go to them from small loans. In fact pawnshops could sore from this little economic change.

Alternatives to obtain loans

You could always seek out credit unions as they are willing to work with individual's a little more than bigger financial institutions and the interest rates are pretty reasonable. Small installment loans is another option you may want to take a look at again interest rates are reasonable.

Monday, November 12, 2012

Rv Financing Basics To Help You Get A Great Deal

Recreational vehicles are increasingly popular and getting one is not as difficult as it used to be in the past. This is mainly due to the fact that for many years now, there are RV loans available for the purchase of these vehicles. Understanding the basics on RV financing will help you get approved for a RV Loan with advantageous terms so you can purchase your dreamed RV.

RV Loan Interest Rate

The interest rate charged for RV loans varies according to several factors: the location, the lender, the credit score and history of the applicant and many other variables. It is worthwhile shopping around for lenders then? Are there significant rate variations between lenders? These questions are not easy to answer but it is possible to provide some hints that can help you find your own solution:

Given two applications with different lenders filled by the same applicant, chances are that the highest rate different that someone could obtain does not surpass half a point or a point at most. However, a single point on a ,000 worth RV implies a significant amount of money and therefore it is advisable to try to get the lowest interest rate possible.

However, there is one tip that you should take into account: Never apply for an RV loan with many different lenders just to get quotes because that will lower your credit score. Multiple inquiries on a short period of time affect your credit significantly. If at all possible contact lenders informally to know the interest rate that you would obtain and apply only when you are positive that you will close the deal with that lender.

Money Down on RV Loans

Just like with all secured loans, putting money down is an important part of an RV loan application. It is advisable to provide a down payment if you can because that will guarantee that you get a better interest rate and overall better loan conditions. But if you can not raise the money needed for a significant down payment (20% of the purchase price), there are no money down RV Loans Available.

What you need to understand is that no money down RV loans require you to have a higher credit score and meet certain requirements for approval like having a higher available income. Also, do not expect to obtain the same terms on a no money down RV loan than with a regular RV loan. Chances are that you will have to cope with a higher interest rate and less flexible repayment programs.

Bad Credit RV Loans

Recreational Vehicles are not cars and thus, the requirements for approval are harsher. When it comes to car loans, there are thousands of lenders and tons of promotions because the lenders are eager to finance and the dealerships eager to sell. The RV and RV loan markets are more limited and thus, the lower competition implies harsher requirements.

Thus, do not expect to find so many bad credit RV loan lenders out there. Yet, it is possible to obtain an RV loan with bad credit if you do some research. Being the internet the best source of information, we suggest that you do a quick search for bad credit RV loans on your favorite search engine or use the services of an online RV loan broker that will ease for you the whole process.

Sunday, November 11, 2012

How To Auto Shop Without Anxiety Or Aggravation

How To Car Shop With no Stress Or Aggravation

Automobile shopping can be extremely time consuming. There are numerous vehicles with lots of variables. To make items simpler, you should discover all you can. The following paragraphs are full of excellent concepts that you can use to get a great vehicle quickly.

Speak with knowledgeable people before you go auto buying. Since they aren't the one particular creating the final selection, they might be in a position to support you steer clear of a deal that is not the greatest for you. This can be any relative, a co-worker or a buddy.

It can be a very good factor to buy a automobile near the last week of the month. Dealers are attempting to attain their quota, resulting in much better offers. When you come in later in the month, they want your sale to get them to that quota number. You can take advantage of this.

Verify into your financing options prior to you commence searching for automobiles. You will know what is in your budget. You will be able to steer clear of the pitfalls of low monthly payments or modest down payments this way, too.

Be confident to inspect very carefully any automobile you are interested in buying. Look over the outside of the car to make confident you do not miss any key scratches or dents. Appear inside for carpet stains or broken upholstery. Maintain in thoughts that the minute you get, this auto is all yours. Any dents or stains located later will be your duty.

Anticipate that car shopping will take a good chunk of time. You never want to rush or feel rushed. This will cause you to regret your decisions. Making time for a entire afternoon may possibly be the best. If time is operating brief, never hesitate to come back when it is more convenient.

When you are vehicle buying, it is vital to get all the information you need to make a very good selection. Use the guidelines here to guarantee that you will be content with your purchase when you leave the dealership. It will make auto acquiring a lot more enjoyable.

Wednesday, November 7, 2012

Nano Technology's New Thin Lithium Ion Battery, Small As A Human Hair

Can you imagine a battery that is 1 billionth of a meter thick and as tall as the thickness of a human hair? Scientists at Rice University have developed a new tiny, tiny lithium ion battery. It is only 150 nanometers thick (1 billion nanometers to equal 1 meter). It is so small that it is hard to see with the naked eye.

The idea here is to fabricate nanowire energy storage devices with ultrathin separation between the electrodes, said Arava Leela Mohana Reddy, a research scientist at Rice and co-author of the paper. This affects the electrochemical behavior of the device. Our devices could be a very useful tool to probe nanoscale phenomenon.

So far battery technology hasn't been able to power our electronic devices for more than 10 hours at a time. Even with the largest capacity lithium ion batteries, Smartphones act like battery vampires sucking the charge right down. The largest capacity cell phone battery I have seen is 4000mAh. The problem is that these extended capacity batteries are heavy and much thicker than the standard batteries that come with the phones. This means that you need an extended battery cover as well as the fact that the gel case you bought to go with your new Smartphone will no longer fit. The new nano batteries would mean you could get huge capacities in tiny batteries, thus making the Smartphones lighter and thinner.

Will we be seeing this new technology any time soon? It's probably a few years down the road, but just think of how light weight those new MacBook Airs will be in the future Will your new Smartphone be as thin as a credit card? The possibilities are endless.

Meanwhile, back at the farm While we wait for the new nano technology to catch up to our needs, you will need another solution. I have a Motorola Droid X. The battery life for the standard battery was dismal to say the least. I love the phone, but let's face it, having to be tied to a charger by mid-day was painful, as well as inconvenient. I bought a Droid X extended battery and am so much happier. My new battery is 2600mAh, which gives me almost twice the capacity as the original 1390mAh battery that came with the phone. I have heard that there is a new aftermarket battery for the HTC EVO 3D. The new HTC EVO 3D extended battery is 4000mAh. Amazing! Of course it will be much heavier than the standard 1700mAh battery that comes with the EVO 3D, but as with all 4G Smartphones, you need that extended capacity to make it through the day. Let's hope that the nano batteries will be here sooner rather than later.

Friday, November 2, 2012

How to Borrow the Funds For Motorcycle Loans Right Away

There is no such thing as being too cautious when you begin researching lenders for your motorcycle loan. Keep in mind that lenders often hide fees and high interest in the very fine print of the loan, costing thousands more than necessary. It's always best to get the opinions of people you trust that have experience in borrowing, but if that isn't an option for you use the advice provided in this article to aid you in your decision.

Don't borrow directly from the dealer!
Realize that salesmen just want to make their commissions and aren't concerned with getting you the best deal they can. In fact they will come up with this dream loan offering you the motorcycle you've always wanted. They'll tell you about all the magnificent benefits you'll have by borrowing with the same company you buy the bike from when in fact, you will not be offered the very best deal and you'll discover that if you need to file a claim or have any issues it isn't the same company at all.

Understand, the APR offered through financing from a dealership will prove to be noticeably higher than the interest rates of online or specialized lenders. There are traditional and specialized finance companies that have offers that apply only to motorcycle loans. Also, beware of the dealership fees. You can be sure that the loan contract will have, hide, fees such as closing costs, administrative fees, gap insurance and list goes on.

The low interest is only for a limited term.
Don't be fooled by the offers that house low interests rates that are only good for three or six months of the entire loan term. The interest rate often spikes after the promotional rate ends and what if you can't afford the payments once that happens? You would be wise to get a loan that offers a fixed interest rate for the entire duration of the loans term.

Not to mention, these promotional loans can require your repayments to be made through a credit card. The installments then generate on your card along with the interest and other fees and costs. This can mean that your card company will stop you from using your card to make purchases and hinder your buying abilities.

Plan ahead
Firstly, you have to make a financial plan. How much can you afford to borrow for your motorcycle? Look for that loan. Gets quotes and don't shop for the bike until you are approved for a certain amount. Don't waste your time looking at a motorcycle you ultimately won't be able to buy. You will wind up frustrated and disappointed and could very well lose money along with time.

Don't forget, there are online financial institutions that will lend you a motorcycle loan that is agreeable to your finances. You can easily find quotes so that you can shop around comparing loan offers and interest rates before deciding on any particular loan. Keep in mind that you should only shop for the bike once you have been approved and have accepted a loan. Try and get the best offer possible on the bike just as you've done with your loan.

Thursday, November 1, 2012

Top 10 Lottery Horror Stories

Not very many people win the lottery, but of those who win, many lose all their winnings and end up with less money than before they won. Some winners were simply foolish, some were greedy, some had greedy relatives and friends, and some fell prey to thieves and crooks. Here are the stories of 10 people who won the lottery then lost it all.

#1 Evelyn Adams

In 1985 AND 1986, Evelyn Adams won the lottery - equaling a total winning of .4 million. However, today - she has no money "Winning the lottery isn't always what it's cracked up to be," says Evelyn Adams, who won the New Jersey lottery not just once, but twice (1985, 1986), to the tune of .4 million. Today the money is all gone and Adams lives in a trailer. She lost money in slot machines, and couldn't seem to say no to relatives and friends. Evelyn's big win ended in a big loss.

#2 William Post

In 1988, William Post won .2 million in the Pennsylvania lottery but now lives on his Social Security. Post's former girlfriend sued him for a share of his winnings and one of his brothers was arrested for hiring a hit man to kill him, hoping to inherit a share of the winnings. His relationship with his other siblings was also strained and he spent some time in jail. Within a year, he was million in debt and eventually declared bankruptcy. He now lives on only 0 a month and food stamps.

#3 Suzanne Mullins

In 1993, Suzanne Mullins won .2 million in the Virginia lottery. Now she's deeply in debt to a company that lent her money using the winnings as collateral. She borrowed 7,746.15 from this company, but eventually stopped making payments on the loan. She blamed the debt on the lengthy illness of her uninsured son-in-law, who needed million for medical bills. Needless to say, her lottery win did not end in happiness.

#4 Ken Proxmire Ken Proxmire won million in the Michigan lottery. Within 5 years he filed for bankruptcy after moving to California and starting a car business with his brothers. He has now returned to his job as a machinist.

#5 Willie Hurt

In 1989, Willie Hurt of Lansing, Mich., won .1 million. Only two years later he was broke and charged with murder after spending his fortune on a divorce and crack cocaine.

#6 Janite Lee

In 1993, Janite lee of Missouri won million. Lee was generous to a variety of causes, including various political organizations, education programs and the community services. According to published reports, eight years after winning, Lee had filed for bankruptcy with only 0 left.

#7 Southeastern Family

In the early 1990s, a Southeastern family won .2 million. In almost no time at almost all of their winnings were spent on a huge house, cars, and various requests from family members. They bought a huge house and succumbed to repeated family requests for help in paying off debts. Eleven years after winning, the couple got divorced, the house was sold and what was left of their lottery winnings had to be split.