Archive forJuly, 2014

60-Second Bad Credit Auto Loan Applications with 100% Approval Rates Now …

The nationwide lending resource is now offering instant approval auto loans with their easy to use online application.

Seattle, WA (PRWEB) July 13, 2014

No matter what the applicants credit history shows, Americas favorite lending network is now offering easy auto loan approval. With the expansion of their lending network, Complete Auto Loans is offering instant no money down auto loans. The only requirement is that the applicant make at least $350 per week. – Get approved for a car loan in as little as 60 seconds.

The 60 second application process is simple. Applicants can either call or fill out their online application with the link above. Once an applicant has filled out the application, Complete Auto Loans matches their information to a local lender who will provide the person with a car loan.

To help consumers save even more, Complete Auto Loans also offers an online credit score tool that has saved many borrowers thousands of dollars. Upon completing the 60-second car loan application on their website, consumers will be given yet another chance to save thousands of dollars on their loan. For more information, visit Complete Auto Loans’ website.

About Complete Auto Loans

Complete Auto Loans is a Seattle-based company that is dedicated to helping their customers acquire national car financing. They design and develop customized no credit financing, bad and good credit loans. Voted the best for Quality Customer Service and Best National Service by thousands of people, their finance experts focus on providing their customers with the following: information and tools available for different loan offers, how to choose the best loan that fits their budget, as well as related eligibility guidelines.

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Bad Credit Home Loans Now Offered at Even Lower Interest Rates Through …

Bad Credit Home Loans Now Offered at Even Lower Interest Rates Through Complete Home Loans
Home loan and refinance shoppers are now getting lower interest rate loans, regardless of credit history from the nationwide lending network.

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Finance in America: Promoting Inequality and Waste

In the crazy years of the housing boom the financial sector was a gigantic cesspool of excess and corruption. There was big money in pushing and packaging fraudulent mortgages. The country paid a huge price for the financial sectors sleaze.

Unfortunately, because of the Obama administrations soft-on-crime approach to the bankers who became rich in the process, the industry is still a cesspool of excess and greed. Just to be clear, knowingly issuing and packaging a fraudulent mortgage is a crime, the sort of thing for which people go to jail. But thanks to the political power of the Wall Street, none of them went to jail, and in fact they got to keep the money.

Since the penalties for ripping off people are trivial to non-existent, the financial sector finds this to be a much more profitable line of business than actually providing financial services. The New York Times recently reported on the boom in the subprime market for auto loans featuring many of the same abusive practices we saw in the subprime mortgage market during the bubble years. Lenders are slapping on extra fees, changing the terms after contracts are signed, and doing all the other fun things we have come to expect from leaders in finance. The used car industry was sufficiently powerful that it was able to gain an exemption from being covered by the Consumer Financial Protection Bureau.

We could look to contain these abuses with better regulation, but there is an easier route: competition. Senator Elizabeth Warren and others have proposed re-establishing a postal banking system. The Postal Service used to provide many basic banking services and postal banks still exist in many European countries. It should be a simple enough matter to re-establish such a system, run on a profit-making basis, that would provide basic services to low and moderate income households.

Such a system would allow people to get a loan to buy a car at a fair rate with a normal contract, not some convoluted product designed by a Harvard MBA. to fool people who dont spend their lives reading contracts. A postal bank could offer basic checking and saving accounts and debt and credit cards, which would not come with punitive overdraft fees to gouge people who are down on their luck or made a mistake in their accounting. The financial industry would still be able to hawk their own loans and accounts, so that people who want to be ripped off would still have the option to do business with the private sector.

There is a similar story with retirement accounts. There are responsible firms like Vanguard, which try to minimize fees and do not shove people into trading accounts that are almost sure losers for them, but many people blow much of their savings on the expenses that financial firms charge them to handle their accounts. In many cases people lose more than a third of their earnings on trading and management fees.

Here also the government can provide an enormous service by offering an alternative account that people would have the option to use. Ideally this would be done at the federal level, but states could also offer similar accounts, as California and Washington State are both considering. If an accounts annual fees can be held to a 0.3-0.5 percent range, as opposed to the 1.5-2.0 percent levels charged by some funds, it can add more than 20 percent to a workers savings at retirement.

The third place where the government can play a useful in finance, it is already on the job. This is in providing a secondary market for home mortgages. Since the mixed public-private versions of Fannie Mae and Freddie Mac effectively went bankrupt in 2008, they have essentially operated as publicly owned companies. The vast majority of mortgages issued in the years since the crash have been purchased in the secondary market by Fannie and Freddie.

Even though these companies are now operating effectively and efficiently, the leadership of both parties is anxious to dismantle them. The preferred option is a public-private mix, as proposed in a bill by Senators Crapo and Johnson. This bill would give us added costs from private sector profits and recreate the moral hazard problem that led the public-private versions of Fannie and Freddie to go bankrupt. Once again the private sector would stand to profit by passing off risk to the government.

The push for privatizing Fannie and Freddie takes bizarre forms in the nations capital. The idea of public corporations operating efficiently, and more importantly profits being foregone by the financial industry, is too much for the politicians and pundits to tolerate.

We have been told that these corporations are responsible for depressed housing prices, even though house prices are now somewhat above their trend level. Supposedly the uncertainty about the future of the mortgage giants is dissuading construction, even though any development could be started, completed, and sold off long before any changes in mortgage system could possibly take effect. Somehow the public status of Fannie and Freddie is supposed to be impeding the recovery even if no one has yet been able to develop a coherent explanation as to how this would be.

The bloated financial sector in the United States is a major engine of inequality sucking money away from poor and middle-income households and making folks like Lloyd Blankfein, Jamie Dimon, and Robert Rubin incredibly rich. There are many who want the government to play a rule in reducing inequality. That might be a desirable goal. However a higher priority would be to have the government stop playing a role in increasing inequality as it does with its support for the financial industry. The outcome of the plans to dismantle Fannie and Freddie will be an important test of where the money is going.

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Social Business For Real Work #12: Social Business In The Finance Team

Part 12 of the Social Business For Real Work series

The Challenge

Most social business case studies concern edge-of-the-organisation departments such as sales, marketing and customer service. Opportunities for improving communication between and within other departments in the company such as Finance, HR and Legal are often overlooked or ignored. This is largely due to the misconception that social networking means indiscriminately sharing everything, which is incompatible with the need for confidentiality in these departments.

The Social Business Advantage

Finance teams can benefit from the easier access to information and expertise provided by enterprise social networks while maintaining the necessary level of confidentiality. A good social network with task functionality can actually increase the accountability in a finance team by providing a clear audit trail of who did what and when they did it, something that is often very time-consuming to reconstruct from email discussions.

Confidential information can be held in private communities, the membership of which is updated as employees join and leave the company. This makes business continuity far easier, as company knowledge is held in one central place, not distributed between employees inboxes.

Related Resources from B2C
raquo; Free Webcast: Strategic Thinking: Social Media + Social Business Strategy

Social networks also provide an ideal way of providing information to the rest of the company about financial procedures and policies, and receiving feedback and questions on this information.


Nicola in the Finance team has recently updated the company’s policy for employees reclaiming expenses. She publishes this to the “Start Here” community which is managed by the HR team but has regular contributions from Finance.

Carol is a new employee in the Marketing team. She finds the document alongside all the other company policies and is able to ask for clarification about something she doesn’t understand. The comments are available to everyone else who might have the same question, reducing the number of times Nicola has to answer the question.

Martha is a new member of the Finance team, and is helping out with quarter-end reconciliation activities for the first time. As this work is performed within a private community instead of via email and documents on shared drives, Martha is able to look back at previous quarters to see the procedures followed. She is quickly able to access the both the relevant files and the discussions that took place about these files. Without the community, she would have missed the context of these files unless she spent time piecing together conversations from her predecessor’s email inbox.

Brad in the sales team is working on a major customer deal which is going to require an innovative and out-of-the-ordinary pricing model if the deal is to close. He creates a task to:

  • First discuss this  with his manager, Ceymore, to agree the proposed pricing model
  • Then get approval from the Finance team to ensure the model meets the company’s standard policies
  • Finally get approval from the CEO.
  • Discussions taking place in the task remain private and only visible to invited members.

Make It Real

  • Set up private communities for the Finance department. If the organisation is small enough, this may be just one community for the whole department, though for most organisations apart from the very smallest this is likely to be several smaller communities at various different layers for each group who need to work together in private.
  • Encourage the Finance team to be active members of the wider network, publishing policy documents they are responsible for, and actively responding to queries related to these from other departments.
  • Try to move as much email-based discussion as possible into private discussions in the social network. If other people need to take over these discussions when employees move within the company or leave, they can simply be granted access, rather than being sent a long email trail.

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Why Nasik is attracting more investment

If you want to live surrounded by nature, then investing in a home in Nasik is a safe bet. Located on the north-western side of Maharashtra, the town is nestled between Mumbai (171 kms away) and Pune (210 kms away). The town is also an essential part of the golden triangle in Maharashtra that is formed by its neighbouring cities like Mumbai and Pune. Surrounded by plush green pastures, the city provides an elegant and upmarket atmosphere for living (because of its picturesque view). Nasik is now becoming one of the most sought-after destinations by developers and builders who are now creating luxury abodes here.

Primarily being an industrial hub, Nasik has now evolved into a hub for education, marketing and commerce. IT companies have made their presence here too. Tapping into the sudden demand, the government is taking steps to develop the social and civic infrastructure of the town. After the completion and upgradation of the Mumbai-Nasik highway and the Nasik airport, the realty demand here will increase by many folds. Properties here especially on the Nasik-Pune Highway have already started yielding high returns and serve as a good long-term investment option. Residential land in Nasik within the Nasik Municipal Corporation are becoming scarce because of the sudden demand. A plot for sale here could cost anywhere between INR 1,900 to 3,100 per sq ft.

Residential land in Nasik is available in large parcels, however, landowners and developers partner over joint ventures to build multi-storey buildings. Chendi, Pune Road, Makhmalabad and Sinnar are some of the most sought-after localities by home buyers. An apartment for sale in Nasik could cost anywhere between INR 3,200 to 5,500 depending on the amenities that are being offered. Investors and potential buyers are also considering investing in independent homes.  As builders here follow the Pune format to create bigger and elegant homes, a number of villas and row houses have mushroomed in localities like Deolali Camp, Nasik Road and Mumbai-Agra road. Orchid Gardens, a project by Home Developers in Deolali camp boasts of bigger and better homes.  Administrative head, Sandhya explains why bigger is better here, “There is a high demand for villas here, all our bungalows have already been booked. And with Nasik being a holiday destination, bigger palatial homes invite buyers. Buyers want their vacation homes to be large so their entire family could cherish their stay here. Most of our units are spread over 3,000 square feet. It’s not just people from neighbouring cities investing, locals too are buying homes here because properties in Nasik are expected to appreciate over time.”

Depending on the amenities and facilities being offered by the builder, a villa for sale here could cost anywhere between INR 2,900 to 5,100 per sq ft. If you are looking towards investing in a property that appreciates over time, then Nasik is the place for you.

Image courtesy:

Nidhi R. Daiya for


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A Sustainable plan is essential to meet financial milestones

o Start saving early: Shockingly, people in the country expect their retirement to last 15 years, while their savings for retirement to only last nine years, revealing a dire need to get started on securing your future as soon as possible. There will be events throughout your life, such as financing a car or buying a home, which will impact your ability to save. While it is natural to prioritise these needs, make sure that you are putting money aside regularly and making your funds work for you through financial investments.

Comments off Announces the 3 Top Online Debt Relief …

>PRWEB.COM Newswire

Appleton, WI (PRWEB) July 19, 2014

Dealing with a huge amount of debt can be very stressful and getting out of debt even more traumatic. However, the company wants residents of Wisconsin to know that there are, in fact, honest and trustworthy companies available that could help them find debt relief.

The experts at analyzed the major online debt consolidation loan providers in order to determine which ones could be trusted to provide debt reduction and debt settlement at a reasonable cost. In evaluating these companies used six important criteria the companys financial standing, debt solution alternatives, fees, customer service, customer satisfaction and business ethics.

Given these criteria, found that the three best online debt relief providers for residents of the Badger state are National Debt Relief, CuraDebt and American Debt Enders. And of these three companies, ranked National Debt Relief as the best option.

Wisconsin currently has an unemployment rate in excess of 6%. In addition, the states residents have an average credit card debt of $4327 per borrower. The unemployment rate means that approximately 160,000 residents of the Badger state are still unemployed and this is nearly five years after the official end of the Great Recession. When you add to this the increasing costs of basic necessities such as housing, fuel, food and health care, it becomes clear as to why many Wisconsinites are struggling with debt.

There were numerous reasons why ranked National Debt Relief as the best option available to these people. For example, found that National Debt Relief has an A rating with the Better Business Bureau due primarily to how it treats its customers. This company charges no upfront fees and has a 100% satisfaction guarantee. If at any time a customer becomes dissatisfied with National Debt Relief, she or he can cancel out of the program and without being charged any fees or penalties.

National Debt Relief specializes in helping customers who owe more than $7500. Its debt counselors have excellent working relationships with all major lenders and so are almost always able to save the companys clients thousands of dollars and help them become debt free in 24 to 48 months. also ranked National Debt Relief highly because it has already helped more than 100,000 individuals and families become debt free. Plus, the company ranks number one for debt relief programs on the site In awarding this ranking, noted that National Debt Reliefs credit counselors take a thoughtful approach in developing personalized debt settlement plans, that its website is clean and friendly, and that it offers a free debt analysis. In addition, it found that National Debt Reliefs counselors are knowledgeable and friendly and that it has a high degree of customer satisfaction. In fact, most of the companys first time customers reported that they were very satisfied with National Debt Relief.

The company that was ranked as the second-best option for residents of Wisconsin that are struggling with debt is CuraDebt. This company has been in business for nearly 18 years and has helped many Americans with financial advice, debt settlement and credit negotiations. CuraDebts credit counselors have almost always been able to help their customers achieve debt relief because of their strong working relationships with the credit card companies. It works mostly with people who owe more than $10,000 in credit card debts but also has programs designed to help with medical debts, student loan debts, personal loans and tax debts.

American Debt Enders was ranked third for debt consolidation loan programs by Its credit counselors provide help with debt consolidation, debt settlement, free bankruptcy counseling, student loan debt consolidation and credit restoration. While American Debt Enders has been in business only since 2007 it has already established a reputation for being able to help Americans achieve debt reduction. It specializes in working with people that owe more than $5000. For that matter, the company says that in addition to debt settlement programs its counselors are often able to help its customers improve their credit scores.

Residents of Wisconsin that are struggling with debt and would like to know more about these three companies and their services should go to the site for more information.

Read the full story at

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Low interest rates leave Alaska Housing Finance Corp. high and dry

JUNEAU — The Alaska Housing Finance Corp. is hurting, and what it needs to get better is for Alaskans to pay more for their mortgages.

The state-owned housing agency makes most of its money from its central business of borrowing money on Wall Street and lending it to Alaskans to buy homes. It also finances multifamily developments and public housing projects and carries out missions such as home weatherization funded by the Alaska Legislature.

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Home Loan Shoppers Are Now Getting Approved for Bad Credit Mortgage …

Home Loan Shoppers Are Now Getting Approved for Bad Credit Mortgage Refinancing Through Complete Home Loans
Home loan shoppers with bad credit are now finding approval for a home loan refinance through the trusted lending resource.

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Finders, keepers for Berlin cash hunt »

Berliners rifling through bushes and looking under benches this Sunday might not be looking for bottles but for cold, hard cash.

Jason Buzi, a real estate investor from San Francisco, has hidden money in envelopes, sugar packets and candy containers. Sometimes dollar notes are literally dangling from trees.

Hundreds have joined scavenger hunts in California, New York and now the treasure hunt is coming to Berlin.

This Sunday, Berliners could find a little something as long as they follow @hiddencash on Twitter where Buzi will start posting clues.

In the past, some of his tweets have been very specific, directing followers to a certain building on a beach. On another occasion, Buzi only tweeted a Google Maps screenshot and the photo of a forest track.

I#39;ll be distributing between euro;1,000 and euro;1,500 in envelopes containing euro;50 to euro;100, he told Berlin#39;s BZ newspaper.

#39;Not about the money#39;

Buzi, who hides the money with help from friends, will not be in Berlin himself.

I have a good friend who I trust 100 percent. He will be hiding the money for me in a suitable place, he said. BZ said that could be in Kreuzberg district#39;s Viktoriapark.

But why hide the money instead of donating to charitable organisations?

It#39;s not about the money. It#39;s about bringing people together for a fun activity and connecting social media with real life, Buzi tweeted on Wednesday.

And he told BZ: It is so much better for me when I can see how my donations change the lives of others. Some of them say thank you with photos or write to me:

After this weekend, some of those messages could include a heartfelt Dankeschouml;n.

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