tag:blogger.com,1999:blog-58904345828973476412024-02-08T02:44:43.661-08:00Economics TipHelpful Ramblings on Economicsstevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.comBlogger34125tag:blogger.com,1999:blog-5890434582897347641.post-36615558159157922432010-01-29T12:44:00.001-08:002010-01-29T12:44:36.828-08:00AR Factoring breathes life back into Texas Based Freight Carrier<div style='font-style:italic;' class='uawbyline'>By Wade Henderson</div><br /><div class='uawarticle'>Can you imagine working really hard to make ends meet and cutting costs everywhere to make yourself profitable and your get a registered letter in the mail from your bank demanding their Line of Credit to be paid off within 14 days?<br /> <br /> Trucking Company in Texas USA; Bank recently called their Line of Credit due to tightening restrictions. As a result they had to pay off the bank their 1.0mm LOC within 2 weeks of being notified. An internet based Commercial Finance Broker set up the deal and not only paid off the bank within the time period required but also increased the availability of the Line of Credit up to $1.75mm using Accounts Receivable Factoring.<br /> <br /> This has happened many times to many different companies in the United States and Canada over the last couple of years. As much as President Obama is working to make funding available to companies for their operations, banks still are contracting their risk threshold and are less willing to expose themselves to risk every day.<br /> <br /> If your company has a need of liquidity, and not debt, do your self a favor and speak with a Professional Commercial Finance Broker as they will have the answers your bank will not, and odds are they will not even tell you about the other options that are out there.<br /> <br /> Commercial Finance is extremely specialized. It is not like going into the nearest lender to you and asking for a generic flavor-of-the-day Commercial Loan and having it fit exactly what you need it to. Some lenders do Commercial Mortgages with a side of Equipment Lending while others will be really good at getting Equipment Deals done for Trucking companies, but also offer Equipment Financing on restaurant equipment, but are really lacking in regards to their termsThe Commercial Finance Broker will know about this and will be able to package your deal for the best lender for you.<br /> <br /> Many Commercial Finance Brokers are current with the most recent changes and offerings on the market today ranging from Commercial Mortgages, Commercial Equipment Finance, Export Finance, Purchase Order Finance, Lines of Credit and Accounts Receivable Factoring. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Pro-BargainHunter.com Multiple Pre-Screened Vendors competing for your business <a target='_blank' href="http://pro-bargainhunter.com/_Accounts_Receivable_and_Export_Factoring_quote.html">Accounts Receivable Factoring</A> <a target='_blank' href="http://pro-bargainhunter.com/_Accounts_Receivable_and_Export_Factoring_quote.html">Accounts Receivable Financing</A> </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-17628312294232304222010-01-27T13:12:00.000-08:002010-01-27T13:55:09.787-08:00Ever Dream Of The Big Sale?<div style='font-style:italic;' class='uawbyline'>By Wade Henderson</div><br /><div class='uawarticle'>Ever dreamed of that bug sales? You know the one I am talking about, the one that would put your company on the map in your industry as a player. Be careful for what you wish for. Many companies have wished for that very thing until it actually happens. What would you do if you received that order and it was for more than you entire last 2 yeas of sales in one Purchase Order?<br /> <br /> This exact thing happened to a Telecom Distribution Company in New York State, USA. They went from sales of the last 2 years of nearly $600,000 to an order of $650,000 in one shot. Their Line of Credit was for $200,000 so the owner of the company promptly went to the bank to get it increased so he could take the order. I am sure you already know what happened. He was denied the increase in credit.<br /> <br /> The customer in this case had to have 30 day terms on the invoice. To make it worse, the suppliers needed to be paid before they would ship the goods. Big problem. If you look at a 10 day delivery time on top of the 30 day sale terms, he would have 40 long days that needs to be gapped. With the though of having to refuse the order in your mind, consider this. What if there were a way to finance this gap in funding that would not involve major financial statements, appraisals and other types of documents?<br /> <br /> The owner of the company did speak with some Accounts Receivable Factoring Companies but they were not able to help out due to the time lag between the timing of the advance requirement and the delivery of the goods to the customer. They could not Factor the Accounts Receivable until the product was delivered, and they could not deliver the product until they received an advance to pay for the product.<br /> <br /> Through the use of a Commercial Finance Broker, a facility for Purchase Order Finance and Accounts Receivable Factoring was created. The order was able to be accepted which opened the door for future order from this customer and others just like them. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Wade Henderson - very Professional - 15 yrs in the Business Finance Field - reputation for getting the deal done. IMMFinancial.com <a target='_blank' href="http://immfinancial.com/ar.htm">factoring association</A> <a target='_blank' href="http://immfinancial.com/ar.htm">accounts receivable outsourcing</A> </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-8835356261929284252010-01-24T13:30:00.000-08:002010-01-24T13:57:13.742-08:00Angel Investors Are Not Always The Best Alternative.<div style='font-style:italic;' class='uawbyline'>By Wade Henderson</div><br /><div class='uawarticle'>No one has to tell a business owner that getting access to much needed cash flow is a difficult task today. It matter not if you are in Canada or the United States, if you have gone to the bank to inquire about financing, there is a good chance you were turned away. For this reason many companies turned to Angel Investors for that all important cash injection.<br /> <br /> Angel Investors look at deals differently than banks, or most other lenders for that matter. Their focus is to net between 5 and 10 times their initial investment in a period not to exceed 5 years. They do this by carefully plotting their exit strategy to recover their funds within the specific time period they define which can take the form of public offerings of stock, takeover or liquidating the assets of the company. What ever it takes.<br /> <br /> Since the market over the last few years has been such a challenge, Angel Investors have now increased their requirements fro 10 to 50 times their initial investment because the time frame they need to have funds tied up for has increased to up to 10 years.<br /> <br /> Because of this high return on investment, Angel Financing is very expensive, but the lesser costing funds such as banks and credit unions are rarely available for new business start-ups. This is because the traditional financiers have a high threshold for accepting young companies for Business Loans.<br /> <br /> So you are declined at the bank and you can not afford Angel Investors now what?<br /> <br /> Reality is it does not matter if you are in Canada or the United States you do have options. Here I will give you a real example of a business that found the best option. There is a company in Alberta Canada that was looking to expand throughout North America with their product. The owner of the company went to the usual channels to get Commercial Financing. After he was turned down by the banks he the spoke to some Angel Investors and received proposals. After considering what was at steak by accepting the proposals he decided to continue looking for options. This is when he and I met over the internet and I presented him with options he had never considered, nor heard of for that matter. Accounts Receivable Factoring and Purchase Order Finance.<br /> <br /> The company had just shipped out one order which took nearly 70% of his inventory and he had another order going out the following week which would wipe out the rest. They he was planning to wait until he received payment from his customer before he could order more product from his suppliers. Next trouble was the he had other orders waiting to be filled.<br /> <br /> Within a week of his initial application the company was funded and he now had the operational funds needed to operate his business smoothly.<br /> <br /> The moral of the story is quite simply, even if you are turned down by your bank, and you are not interested in giving your company away, there may be options to be had. Do your homework and seek alternative Commercial Finance options. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Wade Henderson - recognized Professional - 15 yrs in the Business Finance Field - strong reputation for getting the deal done. IMMFinancial.com <a target='_blank' href="http://immfinancial.com/pf.htm">international loans</A> <a target='_blank' href="http://immfinancial.com/pf.htm">commercial lending</A> </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-38311063633060254452010-01-23T02:48:00.001-08:002010-01-23T02:48:51.287-08:00The Homeowners Insurance Plan<div style='font-style:italic;' class='uawbyline'>By Rudolf Hansard</div><br /><div class='uawarticle'>Once choosing on a favorable quantity of homeowner's insurance plan primary you have to decide the estimated substitute rate associated with your house. Therefore, you should select the insurance coverage quantity that matches your requirements best. You might wish to select a insurance coverage quantity which is similar to the predicted substitute price. You might desire to think about the advantages of getting plenty of insurance coverage rather than "just enough" experiencing as exactly how it's nearly not possible to guess the upcoming and in these types of changing moments what could have practically never occurred in the area before might be the phenomenon which occurs tomorrow.<br /> <br /> The homeowner's insurance coverage plan will probably be your main insurance policy in relation to devastation made to your house. This insurance policy usually may give intended for destruction to your house because of windstorms, fire, explosions and hail and also theft and vandalism. Once your house gets unlivable because of destruction insured by your insurance policy your homeowner's insurance policy will even give the essential money intended for you plus your loved ones to stay somewhere else when your house is under build or even restoration.<br /> <br /> It's your decision to find out with your own insurance plan company concerning what losses have no protection by your own homeowner's insurance cover. Many advises may well grant divided state-sponsored catastrophe resources, for example the windpool department in which protects destroy because of hurricanes, hail, tropical storms and wind. Because of the fact that this insurance plan might be presented by the state much homeowner's insurance coverage may perhaps terminate policy cover and send you to their windpool so that you can receive insurance coverage handle wind-related loss. For that reason, every time finding your dream house located in maximum-risk hurricane countries for instance Florida, South Carolina, Mississippi, Alabama, North Carolina and Texas you will require take into consideration paying for windstorm insurance plan.<br /> <br /> Other problems that may typically seriously isn't protected with a large amount of homeowner's insurance quotes is the flood insurance plan. The flood insurance plan is commonly purchasable on the National Flood Insurance Department regularized by a Federal Emergency Management Agency. All of this protects damage generated caused by extreme waters or temporary floods. Hence principally as long as a temporary flood can cause water to penetrate your property the flood insurance plan as opposed to homeowners insurance plan is going to cover up your difficulties. At any time you really don't recognize if or not your private home is situated in any flood probability place you may perhaps the desire to discuss with your current insurance plan vendor and after that set your own insurance quote consequently.<br /> <br /> Finally , the load of analyzing and renewal the homeowner insurance plan lies on the owner of a house. It's essential to ensure you accomplish this occasionally to make certain that you sustain sufficient protection. Remain conscience of many upgrades you're making to your house no matter whether you've got recently remodeled or even merely bought brand-new furnishings or gadgets. You should also stay aware of inflation and also increases in house price. A house which was bought for $30,000 in 1974 could be valued at $160,000 in 2004. It's also smart to think about the year your house was constructed and the price of construction materials in that time. In case your house was constructed in the 1970s does the constructing code of the latest millennium permit for similar building specifications? Do not become underpaid in the occasion of a loss simply because you underestimated the price of your house. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Looking to find the best deal on <a target='_blank' href="http://myhomeinsuranceplan.com/vacant-home-insurance">vacant home insurance</a>, then visit www.myhomeinsuranceplan.com to find the best advice on <a target='_blank' href="http://myhomeinsuranceplan.com/esure-home-insurance">esure home insurance</a> for you. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-55919663541644989712010-01-15T12:34:00.000-08:002010-01-15T12:54:56.345-08:00Feed A Village with Vertical Greenhouse Structures<div style='font-style:italic;' class='uawbyline'>By Judy Stevens</div><br /><div class='uawarticle'>Greenhouses. A wonderful and loved hobby for horticulturalists and avid gardeners but now, commercial greenhouses are staking a claim to the greenhouse enthusiasts. As our world becomes more sustainable, it only makes sense to build more greenhouses.<br /> <br /> To explain, many universities naturally have their commercial greenhouses, for their agricultural studies. However, many elementary and pre-schools are also building greenhouses as this is a key factor in raising the generations to come. Not only are the children learning about growing and life, but they are also learning about our earth, importance of organic growing, eating habits and self worth.<br /> <br /> As our land becomes more obsolete many have sought to build greenhouses with the use of hydroponics so the soil is preserved and the vegetation grows healthier by transporting the nutrients directly to the root of the plants.<br /> <br /> Acreage can no longer go out so we must consider going up. With a large greenhouse structure, growing up, or "eco-building" is the idea of planting in large glass towers and keeping the glass greenhouse structures growing year round and in places that would normally be unavailable. This would create crop for countries in places where land is not available, either because of climate or because of space. It would also allow growing year round and quite possibly put a stop to much of the hunger crisis. Supplying healthy food through greenhouse structures or supplying crops that would help our oil crisis would be a complete sustainable process.<br /> <br /> Organic fertilizing has been an issue we have struggled with over the years. We know chemicals placed on our plants is bad for you and we know that harmones injected into our livestock is also harmful. With organic living we can control the insects by allowing the good insects to kill off the bad and growing indoors allows this cleaner "greener" living. Our world has always had some faction carrying the mantra of "getting back to nature" but now is the time to take action and do this.<br /> <br /> I think we can definitely make good use of what we are learning about the economy, about the earth, and about "green" living by simply following what we believe in. Building greenhouses are unquestionably here to stay. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>If you want to <a target='_blank' href="http://www.SouthernGreenhouses.com">Build YOUR Southern Greenhouse</a> or go to http://www.SouthernGreenhouses.com. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-23583456201437291072010-01-10T10:35:00.000-08:002010-01-10T11:16:29.157-08:00Mortgage Life Insurance Pros And Cons<div style='font-style:italic;' class='uawbyline'>By Reginald Gregory</div><br /><div class='uawarticle'>Will a family have trouble paying off their mortgage on their home if they lose the income of their primary earner? The mortgage protection offered by a mortgage life insurance policy does away with this threat because it guarantees to pay off the outstanding amount on your mortgage if you die. Sounds like a good idea doesn't it? However in this brief article I can explain to you why there might be better strategies that you can use to make sure that your loved ones have their financial needs taken care of in the event of your passing. If you still think you want a mortgage insurance policy I will also tell you the one place you don't want to buy it.<br /> <br /> When it comes to protecting your family, more has to be better, right? Remember though, that your mortgage payment is only a small fraction of your monthly expenses. Another way to approach it is to look at how much total income they would have to replace to maintain their standard of living if you were gone, and then buying enough insurance to meet that need. The fact is that paying off the mortgage entirely might not even be the smartest thing to do financially- what if your family wanted to sell the house? At any rate, putting funds from an insurance payout towards other expenses might make more sense. Mortgage life insurance would remove some flexibility in this case. Paying the same premiums into a term life policy would restore that flexibility.<br /> <br /> A so-called return of premium term life insurance policy is, for many people, an improvement over the purchase of mortgage life insurance. A term policy like this can be had for the same amount of time you have remaining on your mortgage. Something that not everyone knows is that people generally outlive their term insurance policy. With this type of insurance, with the return of premium rider, if you are alive at the end of term premium payments paid back to you. Also be aware that "mortgage term life", while similar to mortgage insurance and possibly more attractive to you because it is cheaper, is probably not what you want because you surviving the policy will mean that your mortgage is not paid off of course, and no benefit is paid either.<br /> <br /> If mortgage insurance still seems like something you want, the financial institution that you don't want to buy from is the bank that provided your mortgage loan. Probably the biggest reason why this is the case is that you can be pretty sure that they will try to overcharge you because of the one-stop shopping convenience of it.<br /> <br /> So again, level term life policies sold by insurance agents and brokers might require a little more effort on your part, but taking advantage of the the 'convenience' of mortgage life insurance is probably a bad move when you take a closer look. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>To find out more about <a target='_blank' href='http://ezinearticles.com/?Do-You-Need-Mortgage-Life-Insurance?&id=3185973'>mortgage life insurance</a>, visit Reginald Gregory's site on how to choose the best <a target='_blank' href='http://ezinearticles.com/?Exclusive-Life-Insurance-Leads---Getting-Explosive-Results-With-Keywords&id=3160372'>life insurance</a>. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-59712480150407413762010-01-08T04:37:00.000-08:002010-01-08T05:07:20.519-08:00Reasons To Have International Car Insurance Plus Where To Get It<div style='font-style:italic;' class='uawbyline'>By Nick Butter</div><br /><div class='uawarticle'>Some people enjoy traveling around the world and seeing other cultures different than our own. Some who travel a lot may even choose to stay in a certain country for an extended period of time to live there and truly experience the culture.<br /> <br /> Unless these people have someone who will drive them wherever they want to go, they will need to rent or buy a vehicle and have international auto insurance.<br /> <br /> Most Americans with auto insurance will find that they are not insured outside of the US, for this reason it is essential that one contact their insurer in order to verify whether their actual policy does or does not cover them abroad.<br /> <br /> One company that offers international auto insurance is Geico. Geico started out as an insurance company that insured government employees including the people in the military. Since 1954 Geico has also insured people from America in over two hundred countries around the world.<br /> <br /> They have done this through a subsidiary company called International Insurance Underwriters. What they do is find where someone is going to be living and then find a local insurance company that is licensed in that country.<br /> <br /> Geico has been selling insurance to all Americans for some time now and has managed to make a fairly good name for itself in the industry plus they are generally very good on price.<br /> <br /> Other international auto insurance companies available<br /> <br /> Another insurance company that offers international auto insurance is AIG. AIG offers its international auto insurance through one of their subsidiaries called American International Underwriters. They specialize in finding the right kind of insurance in the country that people will be in.<br /> <br /> They generally attempt to get the most protection available in the designated country. They also have plans for people who are now living in a country full-time. To learn more about this you should contact AIG to get all the details.<br /> <br /> Both of these companies are heavily used by Americans in need of international auto insurance, nevertheless there are of course other smaller companies out there that may or may not do a good job.<br /> <br /> While both of the international auto insurance companies are close in service and cost, people might just want to call each company to directly compare prices and services.<br /> <br /> Getting your international auto insurance from a company with a long and proven track record is a real must, after all you have to be sure you really will be 100% covered before you start driving in a foreign country. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Once you've looked at <a target='_blank' href="http://www.reduceautoinsurancecosts.com/auto-insurance-explained/american-international-auto-insurance-companies-65/">American International Auto Insurance</a> why not additionally take a look at our new article about <a target='_blank' href="http://www.reduceautoinsurancecosts.com/washington-auto-insurance-quotes/">Washington Auto Insurance Quotes</a>. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-92100361881857024322010-01-07T04:27:00.001-08:002010-01-07T04:27:08.425-08:00Learning To Adequately Weigh Up Vehicle Insurance!<div style='font-style:italic;' class='uawbyline'>By Warren Cruder</div><br /><div class='uawarticle'>Once upon a time when one wanted to research the different auto insurance companies in their area they would have had to spend ages driving around from one provider's office to the next, of course today we need only go online and we have access to all of the information we need at our fingertips.<br /> <br /> To start with you should make a list of each of the different auto insurance companies available to you<br /> <br /> Whether you are thinking of taking out an all-new policy or just renewing the one you currently have, this is a good idea as it will make sure you are not missing any particular company that may be able to offer you a better deal.<br /> <br /> As you start to browse around at the different policies offered from the companies available to you in your area you will find that they generally vary from one another. Naturally some will suit your needs more than others.<br /> <br /> It is thus important to learn as much as you can about the various auto insurance companies so that you can make an informed decision and get the best deal possible.<br /> <br /> When considering the different auto insurance companies it would be wise to first consider the type of auto insurance coverage provided, and also looks at the cost of the insurance policy.<br /> <br /> Because auto insurance is generally enforced upon us by law it is often somewhat treated like a chore, so people are unwinding to put any real effort into finding the best policy. Nevertheless if you want to not end up paying more than you should then you will need to perhaps change the way you look at it a little.<br /> <br /> Check online company ratings. This is a great way to find out whether or not an auto insurance provider provides good or bad service. You will find several websites dedicated to providing you with these ratings.<br /> <br /> One thing you need to look into closely is whether or not the policy you are looking at will cover you for medical and other bills relating to an injured passenger, regardless of who eventually is blamed for the accident.<br /> <br /> This is just one thing that you need to look out for, this is why it is crucial that you carefully read line by line any policy you're considering as just one thing like this could leave you uncovered in an accident further down the road.<br /> <br /> Remember that price alone should not be what you make your decision on, there's no point in getting the cheapest deal possible if it leaves you with not enough coverage for your situation further down the road. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Why not see our new articles about <a target='_blank' href="http://www.reduceautoinsurancecosts.com/auto-insurance-explained/cheap-auto-insurance-michigan-8/">Cheap Auto Insurance In Michigan</a> and <a target='_blank' href="http://www.reduceautoinsurancecosts.com/washington-auto-insurance-quotes/">Washington Auto Insurance Quotes</a>. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-75855243163901452642010-01-04T01:09:00.000-08:002010-01-04T03:10:28.532-08:00How Has the Recession Impacted the Oil Industry?<div style='font-style:italic;' class='uawbyline'>By Jaron Miller</div><br /><div class='uawarticle'>We have seen many economic changes over the course of the past year. Global recession and a need for conservation have been by-words. The price of oil has fluctuated dramatically and finally settled in the mid $70's per/barrel.<br /> <br /> <strong>A Time for Change in Energy</strong><br /> <br /> Change the oil industry and all our problems will be solved was the battle cry across the nation and in government. We need new renewable, national energy alternatives to replace the high price of foreign oil.<br /> <br /> Each call for change is a good thing. However, the call for change of drilling and pumping and processing crude all doesn't always take into account all the other products that are created from our use of petroleum. We need to understand that oil based products are entrenched in the core of our society. Products like: golf balls, make-up,deoderant, lipstick, DVD's, HDTV's, even toilet seats, and thousands of other products including artificial limbs.<br /> <br /> Did you know that less than half of every barrel of crude oil is turned into gasoline? The rest is used to make over 6000 other products that we use everyday. The following is a small list of some of the most common uses for petroleum products: <a target='_blank' href="http://thomko.squarespace.com/petrochemical-petroleum-produc/">Small list of petroleum products</a>. How many can you think of?<br /> <br /> <strong>Impact of Oil Industry on our Society</strong><br /> <br /> There are many different ways the oil industry has been hit by the recession, and many of them one might not readily recognize. Did you know how many consumer products are actually manufactured from oil based products? Take tooth paste, soaps, lipstick, sports articles and many textile fabrics, just to mention a few. So if fewer sports articles are sold, the demand for production will diminish, which in turn affects how many people are employed both in production and retail. While a retail sales clerk at a sports store may not seem directly impacted by the recession in the oil industry, he in fact may just have lost his job because of it.<br /> <br /> As in any recession, not any one facet can be seem independently from another. How, one might ask, can the loss of sales in the winter sport industry possibly have negative consequences for the oil industry? Think about it: Skis are made from oil based raw material. Fewer skis are purchased, because not as many people can afford their winter vacation. Not only are those at the manufacturing plant affected, but so are, once again, the sales clerk in the sport article industry; and really anybody to do with winter sports: the hotel concierge, the snow plow driver, the laundry service providing clean linen for hotel guests. Fewer customers all around equate to reduced purchasing power all the way around, coupled with unemployment mixes into an almost disastrous cocktail to deepen the recession.<br /> <br /> <strong>How one product can make a difference</strong><br /> <br /> It is hard to believe that one product can be so firmly entrenched in the fabric of our economy. No matter how much there needs to be change - it will not happen overnight. Our dependence on oil based products runs too deep. So when we look at what needs to be down to create change, we must look at all the areas that will also need to change, and all the products that will have to be made with alternative solutions. Perhaps that fact alone will create the new job market that will be needed to make it a reality.<br /> <br /> "Miller Oil Field Equipment and Repair" is doing their part in helping the oil field industry keep prices down so that more consumable goods can be produced. By keeping domestic oil rigs and oil field equipment running at peak performance, they help keep the cost of maintenance and repair down and help support American jobs. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Resources: If you would like to know more about the oil field industry, you can read more articles by Jaron Miller of <a target='_blank' href="http://milleroilfieldsupply.com">Miller Oil Field Equipment and Repair</a>. They have over 3000 products available to service you. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-14676928537572562102010-01-02T05:52:00.000-08:002010-01-02T07:01:15.643-08:00Want To Learn The Nuts And Bolts Regarding Auto Insurance?<div style='font-style:italic;' class='uawbyline'>By Nara Davis</div><br /><div class='uawarticle'>Many people go about making auto insurance comparisons completely the wrong way. They lack a basic understanding of the different elements that make up the policies they are comparing and as a result they end up missing some of the very important differences that exist in each policy.<br /> <br /> So first off let us discuss liability insurance in general<br /> <br /> Pretty much every state of America requires liability insurance by law. Nevertheless the actual minimum coverage amount required does depend on which state you happen to be in. It is absolutely essential to properly understand what these limits will mean to you as a driver.<br /> <br /> Generally this type of coverage will be broken down to look something like: $25,000/$50,000/$25,000. This breakdown stands for: bodily injury liability maximum per person in one accident/ bodily injury liability maximum per accident counting all people involved/ property damage liability maximum.<br /> <br /> What this means is that should you find yourself in an accident that is your fault your insurance firm will only be willing to pay you up to the limits stated.<br /> <br /> So if you are in an accident where you are found to be at fault and the overall costs go beyond the limits of your policy you will find yourself having to come up with the remaining funds on your own.<br /> <br /> How do I protect myself from uninsured and underinsured drivers?<br /> <br /> There's always the risk of finding yourself in an accident with someone who is underinsured or simply does not have insurance at all. This is why there is an option available to have extra protection especially for these situations. You will of course pay more for this and have to pay a premium for it.<br /> <br /> The comprehensive and collegian coverage type<br /> <br /> Also known as full coverage, comprehensive and collision insurance insures a person's car in the event they are at fault during an accident or other types of damage occur to their vehicle.<br /> <br /> An understanding of this type of coverage is essential in order to make an effective auto insurance comparison, as it can impact pricing greatly.<br /> <br /> $450/$450; this is what you need to look at for this kind of insurance. You see what this means is that the auto insurance company in question will insist that for any claim you must pay out the first $450 of the repair. Naturally they will then pay the rest until their maximum limits stated.<br /> <br /> Rental Reimbursement and Roadside Assistance<br /> <br /> Understanding optional coverage such as rental reimbursement and roadside assistance (or towing coverage) can make a large difference when making an auto insurance comparison.<br /> <br /> For instance rental car reimbursement covers the policyholder up to a certain predefined amount for vehicle rental should the policyholders vehicle be in repairs etc.<br /> <br /> Whereas the roadside assistance coverage option will open up a variety of emergency services to the policyholder, such as the towing away of their vehicle. Naturally this coverage will come with a host of limitations that will be stated in the policy.<br /> <br /> A look at medical coverage<br /> <br /> Each and every state across America varies on this. In a number of states you must have no fault medical coverage (covers you even in accidents that are your fault) but many others do not require this.<br /> <br /> Other states do not have this provision so insured are able to carry a certain amount, depending on their state laws and needs. Understanding medical coverage is essential to make an auto insurance comparison as it can cause rates to vary greatly.<br /> <br /> The bottom line is you must not do as so many do and just look for the cheapest price. You may end up paying more in a year sometimes for the insurance but overall it will end up being better in the long run when that unexpected accident comes up. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Proper <a target='_blank' href="http://www.reduceautoinsurancecosts.com/auto-insurance-explained/secrets-to-the-perfect-auto-insurance-comparison-on-price-coverage-51/">Auto Insurance Comparison Quotes</a> are essential. Why not use our <a target='_blank' href="http://www.reduceautoinsurancecosts.com/safe-auto-insurance-quotes/">Safe Auto Insurance Quote</a> tool to get some quotes. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-63225494469485069412010-01-01T03:51:00.000-08:002010-01-01T04:05:59.356-08:00Are Credit Cards After A Bankruptcy Filing A Risky Choice?<div style='font-style:italic;' class='uawbyline'>By Jamey Smith</div><br /><div class='uawarticle'>As much as we all would want to avoid having to file bankruptcy, sometimes for some people there really is no other option, when this occurs these people often start worrying about things like the obtaining of a good credit card after bankruptcy.<br /> <br /> Credit card after bankruptcy however are indeed available but the catch is that normally you can expect to end up paying fairly high rates for the privilege and even additional annual fees.<br /> <br /> One the reasons companies will offer a credit card after bankruptcy is the fact that a person cannot file for bankruptcy for at least seven years after the initial action has been discharged.<br /> <br /> You see normally credit card debt is considered un-secure, but when the person in debt cannot file bankruptcy the credit card company has the option to use wage attachment to get back the money.<br /> <br /> There are numerous dangers is obtaining a credit card after bankruptcy, beyond the usually higher interest rate, as charges for being late with a payment as well as annual fees can quickly put the person into a bad credit risk again.<br /> <br /> It is not uncommon for people to take out these cards in an attempt to better their financial situation, this is despite the fact that it is not unusual for the total annual fees associated with the card to add up to much as the card holders very credit limit.<br /> <br /> Things can go from bad to worse<br /> <br /> Here is a little example for you: Say a person has a credit card after bankruptcy with initial fees of $290 with an initial credit limit of $300. If this person is even one day late with a payment he or she could be looking at a late fee of around $30!<br /> <br /> In turn this would push-up the liability to $320 which would cause another $30 fee for being over the limit, this means that the credit card holder would now have a debt of $350!<br /> <br /> To make matters even worse the interest rate on this card could quickly add up on the maximum that is allowed by law since the obligations on the credit card after bankruptcy were not met.<br /> <br /> There really is no way out either, with the exception of paying the balance on the credit card. Quite a lot of companies demand that the payment be made within 30 days and if that does not happen you would face collection action.<br /> <br /> Wage garnishment, court proceedings and daily phone calls are just some of the things you can expect from here on in and it could well be years before you manage to clear up all your debts.<br /> <br /> So as you can see although it is possible, it comes with some possible hefty consequences! The bottom line is, it will depend on your situation and your ability to keep in check on your payments as to whether it would be for you or not. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Was our <a target='_blank' href="http://www.endbankruptcynow.com/bankruptcy-facts-and-questions/how-to-get-best-credit-card-after-bankruptcy-38/">Best Credit Card After Bankruptcy</a> info useful? Take a look at our other <a target='_blank' href="http://www.endbankruptcynow.com/">How To File Bankruptcy</a> info. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-63306708159808817872009-12-29T12:49:00.001-08:002009-12-29T12:49:41.175-08:00Information On Natural Gas And Oil Brought To You By Bedrock Energy Development<div style='font-style:italic;' class='uawbyline'>By Brandon Davis</div><br /><div class='uawarticle'>Bedrock Energy Development is an Independent Oil and Natural Gas Company that specializes in acquiring drill sites and fields in petroleum rich areas of the domestic United States.<br /> <br /> Petroleum or crude oil is a naturally occurring, flammable liquid consisting of a complex mixture of hydrocarbons of various molecular weights, and other organic compounds that is found in rock formations beneath the earth's surface.<br /> <br /> Petroleum engineering is an engineering discipline that is concerned with the subsurface activities related to the production of crude oil or natural gas. This falls within the upstream sector of the oil and gas industry.<br /> <br /> The combined efforts of geologists and petroleum engineers throughout the life of a hydrocarbon accumulation determine the way in which a reservoir is developed and depleted, and usually they have the highest impact on field economics. Petroleum engineering requires a good knowledge of many other related disciplines, such as geophysics, petroleum geology, and formation evaluation.<br /> <br /> Petroleum engineering has turned into a scientific profession that involves extracting oil in ever more complicated situations of the world's oil fields are found and exhausted. Improvements in computer modeling, supplies and the application of statistics probability analysis and new technologies like horizontal drilling and improved oil recovery have significantly improved the tools of the petroleum engineer in latest decades.<br /> <br /> "Discovering natural gas has urged energy experts and policy makers to begin seeking natural gas in their pursuit of a wide range of goals, easing the impact of energy price spikes reducing dependence on foreign oil, lowering "greenhouse gas" emissions and speeding the transition of renewable fuels, stated by Brandon Davis of Bedrock Energy Development.<br /> <br /> Natural gas in nothing new. In truth, much of the natural gas that is brought out from underneath the ground is millions and millions of years old. Although, it wasn't until in recent times that methods for retrieving this gas, bringing it to the surface and using it were it is urbanized.<br /> <br /> The competition characterizes the natural gas manufacturing as it is acknowledged nowadays. The widening up of the industry and the move away from firm regulation has allowed for improved effectiveness and technological improvements. Natural gas today is being retrieved more resourcefully, economically and without difficulty than ever before. Nonetheless, the exploration for additional natural gas to serve our ever growing demand requires new techniques and knowledge to get it from difficult places. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>For other info or questions in regards to <a target='_blank' href="http://www.bedrockenergydevelopment.com/Defaults.aspx">Bedrock Energy Development</a> please see us at <a target='_blank' href="http://www.bedrockenergydevelopment.com/Defaults.aspx">www.bedrockenergydevelopment.com</a> </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-39558626242681658672009-12-28T08:11:00.001-08:002009-12-28T08:11:51.751-08:00Online Bankruptcy Databases: How To Search With Their Interface<div style='font-style:italic;' class='uawbyline'>By Jamie Wild</div><br /><div class='uawarticle'>The most important and used bankruptcy database is the Pacer database used by the federal courts, this database is accessible online for a fee and is particularly of importance to attorneys throughout America who need to file their clients bankruptcy cases online.<br /> <br /> It is also important because when there is greater number of filings, courts allows attorneys to use online means for filing for bankruptcy on behalf of their clients.<br /> <br /> The Pacer database cannot be accessed by the general public. Anyone seeking to access information held within it must first go through their attorney.<br /> <br /> There are however, many companies that have their own bankruptcy databases which help consumers who need to file for bankruptcy and who need to use such bankruptcy databases to find information related to business etc.<br /> <br /> Searching bankruptcy databases<br /> <br /> Bankruptcy databases give you tools that allow you to make queries to their database. You will find that you can search by state, city and even using the first few digits of zip codes.<br /> <br /> Another way of searching for data that is normally presented to you is by date, this can include the filing date, data of first meeting, the dismissal date and of course the discharge date.<br /> <br /> Searching by the type of bankruptcy i.e. chapter-, Chapter 11 or chapter 7 may also be beneficial to you, you could also try out a combination of these to see if that gave you more relevant data.<br /> <br /> Remember here that chapter eleven deals only with businesses while chapter thirteen is meant for individuals only, and even the majority of chapter seven's are for individuals as well.<br /> <br /> What's more, the bankruptcy database also can hold all the relevant information regarding amounts related to assets and liabilities though not every bankruptcy database will hold such information.<br /> <br /> It might surprise you to know but these bankruptcy databases can often show you actual physical addresses as well and give you the options to be able to filter out house addresses, PO boxes etc, etc.<br /> <br /> This has been a quick overview of what you can expect from some of the major bankruptcy databases. As I'm sure is clear by now these databases hold a lot of information that can be very useful to the right people. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>More <a target='_blank' href="http://www.endbankruptcynow.com/">Facts About Bankruptcy</a> like those you've just read are waiting to be read at the link here. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-73883827679241279242009-12-27T04:30:00.001-08:002009-12-27T04:30:58.690-08:00Bad Credit Loans In The US - A Good Idea?<div style='font-style:italic;' class='uawbyline'>By Jordan Vidal</div><br /><div class='uawarticle'>Although a lot of the major banks will not issue bad credit personal loans after bankruptcy there are indeed a number of companies that have entered this market and are now actively supplying people with these loans on a regular basis.<br /> <br /> You see these companies rely on the fact that no individual after filing bankruptcy can do so again until seven years have passed and sometimes even longer.<br /> <br /> So these companies are willing to do business with these people simply because they have a legal way to recover their investment in the future should things go bottom-up.<br /> <br /> Although most traditional lenders simply will not grant bad credit personal loans after bankruptcy there are numerous lenders that fight over the market.<br /> <br /> The truth is there are no laws that govern people in a bankruptcy that stops them from taking on these loans, although it is true that it probably wouldn't be their first suggestion in their required counseling classes.<br /> <br /> Once the bankrupt individual has discharged his bankruptcy he or she should be free to go after a bad credit personal loan when they feel the time is right.<br /> <br /> We all know that bankruptcy records are totally public and this very often causes people a lot of embarrassment and difficulties in getting by. For this reason people are often in a rush to get back on their feet and many feel that a personal loan after bankruptcy is the answer.<br /> <br /> Even with the new laws there are those who continue to pile on debt and file for bankruptcy every seven years or as soon as the law permits.<br /> <br /> No Laws Govern Who Applies For Bad Credit Loans<br /> <br /> There are a number of laws in place that govern who can give bad credit personal loans after bankruptcy as well as the amount of interest charged with these loans. However no such laws exist to govern who can apply for these loans.<br /> <br /> It doesn't even matter if the person applying for a loan has already been in multiple bankruptcies. These loans come with high rates but even so this does not put off a lot of people.<br /> <br /> Few, if any of the lenders offering bad credit personal loans after bankruptcy require any type of collateral for the money, even knowing there is a good chance the loan will go into default, the recourse available, including wage garnishment, make them a profitable business.<br /> <br /> When a person defaults on bad credit personal loans after bankruptcy a court-ordered repayment is typically granted for the amount of the loan and any costs associated with collecting the loan.<br /> <br /> As with anything bankruptcy related, if you are bankrupt you must consult a lawyer in regards to this subject and carefully convey all of your options before making any decisions. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'><a target='_blank' href="http://www.endbankruptcynow.com/bankruptcy-facts-and-questions/bad-credit-personal-loans-after-bankruptcy-6/">Bad Credit Personal Loans</a> are only one of many topics one can read about at our <a target='_blank' href="http://www.endbankruptcynow.com/">How To File Bankruptcy</a> Archive. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-68092209969283320072009-12-21T13:14:00.001-08:002009-12-21T13:14:41.454-08:00Ladies Wide Shoes - 1 Reason Why Wide Shoes For Ladies Are Friends Not Foes<div style='font-style:italic;' class='uawbyline'>By Jessica Shooburt</div><br /><div class='uawarticle'>Are you wanting to purchase ladies wide shoes? Maybe you feel like this is going to make your feet feel best but make you feel worse about yourself. In this article I am going to give you 1 reason why wide shoes for ladies are friends not enemies.<br /> <br /> <a target='_blank' href="http://ladies-wide-shoes.com/ladies-wide-shoes/">ladies wide shoes</a><br /> <br /> If you are reading this article then you possibly have wider than "normal" feet. That is okay though. What is normal exceptionally anyway? Who is the "they" that makes up the "normal"? I have not ever met them personally. It is important to constantly do what is better for your well being and health when it comes to everything in your life, instead of thinking only on what others will be thinking of you.<br /> <br /> Ladies wide shoes are a friend, not a enemy. Just a few years back you maybe would not have wanted to acquire them since they were for one not simple to obtain and when you did uncover them they were in a boring color or some horrendous design. Now days they offer a wide array of colors and fashions that you will be joyful to hear about. There is no need to put your feet through anymore pain just because you want to look nice. There does not have to be that cramming of the tootsies into tiny petite shoes that awfully do not look like anyone's feet would be comfortable in there, large or petite!<br /> <br /> <a target='_blank' href="http://ladies-wide-shoes.com/ladies-wide-shoes/">ladies wide shoes</a><br /> <br /> The should industry noticed the market of ladies that considered necessary wide shoes and this is why the shoe industry has come around. They are making money off scores of ladies that have wide feet woes, they are not just being kind to a few freakish individuals. This way it works out for you and them. You have comfy and healthy feet and they make cash. Everyone wins and everyone goes home glad. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Sick of paying high prices for <a target='_blank' href="http://ladies-wide-shoes.com/ladies-wide-shoes/">ladies wide shoes</a> ? Visit http://www.Ladies-Wide-Shoes.com for FREE info and FREE coupons. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-14676434020204057992009-12-20T10:46:00.000-08:002009-12-20T11:02:00.700-08:00Is The US Economy Improving?<div style='font-style:italic;' class='uawbyline'>By Barney Summers</div><br /><div class='uawarticle'>The Federal Reserve has indicated that it expects a slow and gradual recovery, and the government's strong efforts to ignite the economy have started to show results: TARP fund boosted the financial sector and cash-for-clunkers has raised vehicle sales from the dead. However, the sustainability for these efforts rest on a consumer that has seen 13 trillion dollars of wealth wiped out. The fact that US savings rate have risen from a pre-crisis 1% to 5.2% indicates just how hard it is going to be to invigorate consumer spending which accounts for 70% of the economy. If you look back at the state of the economy in July you will see that the improvements are not that dramatic today. The real estate cycle is likely to keep declining for a while.<br /> <br /> - Factory Orders (July 2nd): Total factory orders rose +1.2% in May after +0.5% in April. Nondefence capital goods orders were signifi cantly stronger, rising +4.7%. Shipments, meanwhile, fell -0.9%, inventories <br /> <br /> - Advance Retail Sales (July 14th): Total retail sales rose +0.6% following +0.5% in May. Excluding autos, sales rose +0.3% after +0.4%. However, if gasoline stations and autos are excluded, sales fell -0.2% after -0.1%, or -3.8% lower than a year ago. S&P500 +0.53%.<br /> <br /> - Trade Defi cit (July 10th): The trade defi cit in may fell to -$26.0bn from -$28.8bn. This was the result of a +1.6% rise in exports against a -0.6% fall in imports. The non-petroleum defi cit decreased to -$22.7bn from -$23.8bn. S&P500 -0.40%.<br /> <br /> - Industrial Production (July 15th): Industrial production has so far refused to follow the upwards burst in the ISM production index. It fell -0.4% in June, after -1.2% in May. It is also -13.6% lower than a year ago. Capacity utilisation, meanwhile, fell to 68.0% (another record low), from 68.2%.<br /> <br /> - Housing Starts (July 17th): Starts rose for the second consecutive month in June, up +3.6% after +17.3%. Nevertheless, they are still -46.0% lower than a year ago. Single-family starts actually increased +14.4%, though are -28.2% lower than a year ago. Finally, building permits increased +8.7% after +4.0%, though down -52.0% annually. S&P500 -0.04%.<br /> <br /> - New Home Sales (July 27th): New home sales were surprisingly strong in the month, rising +11.0% after +2.4%. An increase of +3.0% was anticipated. Sales are now -21.3% lower than a year ago. The inventory of unsold homes fell to 8.8 months' supply from 10.2 months. S&P500 +0.30%. <br /> <br /> -0.6% was expected. Excluding transportation, orders increased +1.1%, while excluding defence, they fell -0.7%. Orders are now -26.7% lower than a year ago. S&P500 -0.46%.<br /> <br /> From where I sit it looks like we had a long way to go in July, and we still do. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Want to find out more about the <a target='_blank' href='http://hubpages.com/hub/The-Real-Estate-Cycle'>real estate cycle</a>, then you should check out <a target='_blank' href='http://hubpages.com/hub/The-Real-Estate-Cycle'>http://hubpages.com/hub/The-Real-Estate-Cycle</a>. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-25452142145657303642009-12-10T23:52:00.000-08:002009-12-11T01:38:54.929-08:00Online Bankruptcy Filing Databases And How To Search With Them<div style='font-style:italic;' class='uawbyline'>By Norman Bush</div><br /><div class='uawarticle'>When do you think about a bankruptcy database? The one that is used by the federal courts is known as PACER which can be accessed through the Internet only after paying a fee for such access. This database is especially important to attorneys since they need it to file their client's bankruptcy cases online.<br /> <br /> It is also important because when there is greater number of filings, courts allows attorneys to use online means for filing for bankruptcy on behalf of their clients.<br /> <br /> The Pacer database cannot be accessed by the general public. Anyone seeking to access information held within it must first go through their attorney.<br /> <br /> Nevertheless the public can make use of the bankruptcy databases that other companies have assembled. The general public can use these databases to help with their bankruptcy filings and to do research on businesses and more.<br /> <br /> Searching bankruptcy databases<br /> <br /> If you are looking to use these kinds of bankruptcy databases, you can enter certain parameters for your search which can include according to region which will throw up information according to county, state, city and even three first digits of zip codes.<br /> <br /> Also locating data according to specific dates is also normally an option. So you can search by filing date, dismissal date and or discharge date. Often it is even possible to search by date of first meeting.<br /> <br /> It is also possible to search the bankruptcy database according to type such as chapter seven or chapter eleven dismissal or even a combination that you may opt for, and the bankruptcy database is also able to furnish information regarding individuals as well as businesses<br /> <br /> Remember here that chapter eleven deals only with businesses while chapter thirteen is meant for individuals only, and even the majority of chapter seven's are for individuals as well.<br /> <br /> Some of the more complete bankruptcy databases will also include details such as the amount relating to assets and liabilities for each case.<br /> <br /> You can also expect to find house addresses, apartment numbers, PO boxes etc. You should also be able to filter through this information.<br /> <br /> Thus, as you can see, each different bankruptcy database has a lot of information that it contains and which can be accessed entirely or according to specific needs and it will prove to be very helpful under different situations. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>This facts on <a target='_blank' href="http://www.endbankruptcynow.com/how-to-file-bankruptcy/bankruptcy-filings-databases-pacer-34/">Bankruptcy Databases</a> came from the article linked to here. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-21081126096583762352009-12-07T13:24:00.000-08:002009-12-07T13:37:17.287-08:00Loan Modification Services, Do You Really Need It?<div style='font-style:italic;' class='uawbyline'>By Ginger Taylor</div><br /><div class='uawarticle'>I never thought I would ever hear these words. Anything which requires banks and loans simply drives me crazy! Then, the dreaded words came, "Do you need loan modification services?" My heart started to palpitate. This was going to be a "do it yourself" operation.<br /> <br /> Make a few phone calls. Don't worry about being good on the telephone. It doesn't matter, what matters is getting the information you need. Don't be fooled, there are some scams out there. There are companies making promises to do all sorts of things. They will often tell you they need to receive a fee. A fee! Even if they have not done anything!<br /> <br /> If it is assumed you qualify for this adjustment, you will be sent some information. You will need to list your expenditures for the month. You must show that you are in economic distress. You will have to prove this adjustment will make you a good prospect for them.<br /> <br /> There is a wealth of information available on the Internet. Yes, you will need to do some work. But, in the end it will be worth your while. Most websites have phone numbers where you can call and talk to a person. Ask questions. Never be afraid to make inquiries. If the person does not know, request for someone who might help you.<br /> <br /> Get on the Internet! You can find out so much information on the world wide highway. You will have to work and you will have to read. Study. Take notes! You will be able to better understand those you speak with if you will just take the time to research.<br /> <br /> In these hard economic times everyone is going through difficulties. The very best and even first call that you should make is actually to a qualified loan modification attorney.<br /> <br /> - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>For help with <a target='_blank' href="http://janianandassociates.com">loan modification services</a> contact a qualified <a target='_blank' href="http://loanmodificationattorneyca.blogspot.com/">loan modification attorney</a> that will look out for you and your family's best interest such as Janian and Associates. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-16695649783893025512009-12-02T18:47:00.000-08:002009-12-02T18:55:55.520-08:00A Credit Card Following Bankruptcy Is With More Costs!<div style='font-style:italic;' class='uawbyline'>By Tom Boss</div><br /><div class='uawarticle'>As much as we all would want to avoid having to file bankruptcy, sometimes for some people there really is no other option, when this occurs these people often start worrying about things like the obtaining of a good credit card after bankruptcy.<br /> <br /> However regardless to what some may think obtaining a credit card after bankruptcy isn't impossible. There are companies willing to provide this although normally you can expect high interest rates and additional annual fees.<br /> <br /> One the reasons companies will offer a credit card after bankruptcy is the fact that a person cannot file for bankruptcy for at least seven years after the initial action has been discharged.<br /> <br /> Knowing this, these credit card companies have a legal recourse in collecting on any unpaid debt resulting from the card's use. While most debt charged on a credit card is considered unsecured, if the cardholder cannot file bankruptcy, the company can use wage attachment to gain repayment.<br /> <br /> However as you will see it is one thing to obtain a credit card after bankruptcy but it is another to be able to use it safely. The danger is that with higher interest rates and extra fees on late payments you can quickly end up back in a bad credit situation.<br /> <br /> Credit cards after bankruptcy are very often offered by companies supposedly as an option to help rebuild ones credit rating. People will very often pick these cards up in the hope of getting back on their feet. This is despite the fact that total annual fees can sometimes even equal that of their initial credit limit.<br /> <br /> For some things quickly get worse and worse<br /> <br /> Unfortunately, if you have a credit card after bankruptcy, and the initial fees, for example, are $290, and their initial credit limit is $300, being even a day late with the payment will result in a late fee of, on average, $30.<br /> <br /> This pushes your liability to $320, causing another $30 to be added as an over the limit fee. The person holding this credit card after bankruptcy now has a debt of $350 and they have not used the card at all.<br /> <br /> To make matters even worse the interest rate on this card could quickly add up on the maximum that is allowed by law since the obligations on the credit card after bankruptcy were not met.<br /> <br /> With the exception of actually paying up there really isn't an easy way out at this stage, especially as many companies will make the demand that they are paid in full within 30 days.<br /> <br /> Wage garnishment, court proceedings and daily phone calls are just some of the things you can expect from here on in and it could well be years before you manage to clear up all your debts.<br /> <br /> So there you have it, is it possible? Yes. But is it advisable? That is obviously going to depend on your ability to keep in check with payments and just how much you really need a credit card after bankruptcy. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Did you find our <a target='_blank' href="http://www.endbankruptcynow.com/bankruptcy-facts-and-questions/how-to-get-best-credit-card-after-bankruptcy-38/">Credit Cards After Bankruptcy</a> info useful? Check out our additional <a target='_blank' href="http://www.endbankruptcynow.com/">How To File Bankruptcy</a> info. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-18968591975301454382009-12-02T18:35:00.000-08:002009-12-02T19:09:17.463-08:00Are Credit Cards Subsequent To Bankruptcy A Risky Option?<div style='font-style:italic;' class='uawbyline'>By Miguel Toledo</div><br /><div class='uawarticle'>As much as we all would want to avoid having to file bankruptcy, sometimes for some people there really is no other option, when this occurs these people often start worrying about things like the obtaining of a good credit card after bankruptcy.<br /> <br /> Neither the less, there are some financial companies that have no trouble offering to issue a person a credit card after bankruptcy, although usually with a higher interest rate and annual fees attached.<br /> <br /> One the reasons companies will offer a credit card after bankruptcy is the fact that a person cannot file for bankruptcy for at least seven years after the initial action has been discharged.<br /> <br /> Thanks to this credit card companies have a legal recourse to use to collect any debts the credit card holder may end up with. Credit card debts are normally unsecured, however when someone cannot file bankruptcy, wage attachment can be used by the company to get back their money.<br /> <br /> However as you will see it is one thing to obtain a credit card after bankruptcy but it is another to be able to use it safely. The danger is that with higher interest rates and extra fees on late payments you can quickly end up back in a bad credit situation.<br /> <br /> Credit cards after bankruptcy are very often offered by companies supposedly as an option to help rebuild ones credit rating. People will very often pick these cards up in the hope of getting back on their feet. This is despite the fact that total annual fees can sometimes even equal that of their initial credit limit.<br /> <br /> For some things quickly get worse and worse<br /> <br /> To put things into perspective let us say for example that your credit card after bankruptcy annual fees are $290 and your initial credit limit was $300, if you were only one day late for a payment you can expect on average to end up paying $30 as a late fee.<br /> <br /> In turn this would push-up the liability to $320 which would cause another $30 fee for being over the limit, this means that the credit card holder would now have a debt of $350!<br /> <br /> To make matters even worse the interest rate on this card could quickly add up on the maximum that is allowed by law since the obligations on the credit card after bankruptcy were not met.<br /> <br /> With the exception of actually paying up there really isn't an easy way out at this stage, especially as many companies will make the demand that they are paid in full within 30 days.<br /> <br /> Daily phone calls, court proceedings, you name it, from here on in things can really get ugly and fixing the mess often takes several years.<br /> <br /> So there you have it, is it possible? Yes. But is it advisable? That is obviously going to depend on your ability to keep in check with payments and just how much you really need a credit card after bankruptcy. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Did you find this <a target='_blank' href="http://www.endbankruptcynow.com/bankruptcy-facts-and-questions/how-to-get-best-credit-card-after-bankruptcy-38/">Credit Cards After Bankruptcy</a> article helpfull? Take a look at this additional <a target='_blank' href="http://www.endbankruptcynow.com/">How To File Bankruptcy</a> pages. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-12227729291051060322009-11-24T12:42:00.000-08:002009-11-24T12:54:13.373-08:00Donuts 'n Disaster<div style='font-style:italic;' class='uawbyline'>By Ron Knowles</div><br /><div class='uawarticle'>The chatter was noisy around the table this past Friday as we were eating out weekly ration of donuts. Trying to focus on one conversation was difficult but when someone brought up the subject of Oregon's unemployment it was like being in outer space, it got so quiet. We're experiencing over twelve percent joblessness in Oregon overall with outlying counties well over that number. I can't figure out why this state is always one of the first to get hit the hardest and one of the last to recover.<br /> <br /> The donut crew as we've labeled ourselves are all over sixty five. And no, we're not immune to the Obama administration's Socialistic policies (as I call them) which are resulting in the economic demise of our U.S. economy. I know it's a little late for pointing fingers at the democrat voters as we're all suffering as Americans from high prices and job losses. And we don't know who exactly is behind it all, anyway.<br /> <br /> Sitting on my right was Maria. She is 85 and is considered to be the matriarch of our group. She's got a good retirement income from the Fed. and lives worry free. She has a yard man mow her lawn, she travels a lot and sure doesn't do without. That doesn't mean she doesn't have a deep concern for her adult kids who all live in the chaotic state of California.<br /> <br /> On my left sat Pete, in his seventies who suffers from a type of palsy but has a great sense of humor and tries to live out his days not thinking too much about economics. His wife Doris however, is very concerned. They've already had to sell their home because they just couldn't afford to stay there any more and now they live in a much smaller apartment. I'm sure she wonders what will become of her when Pete dies.<br /> <br /> Then there was Bob and his wife Paula at the table. Bob is a diabetic who recently had stomach surgery. He's in his mid-sixties and officially retired, as is his wife, also in her sixties. But Bob still does accounting and taxes for small companies and organizations to bring in extra money. They're not immune to the economic pinch, either..<br /> <br /> Being a sixty-six year old guy it would be nice to retire. So many people just assume that I'm enjoying the fruits of my past labor and living the good life. Here's a wake-up call for all of those that think everyone my age is actually retired. Many, many of us can't afford retirement. In fact, I predict that it's going to get a lot worse for seniors in the future if the economy continues as it is.<br /> <br /> Take me for example; I write articles. This is one of many that I have published all over the Internet. This is how I can still make a living. I can't survive on Social Security income and I don't have a pension. I'm not complaining but this is what I do and will continue to do until I can't anymore.<br /> <br /> This coming Friday the donut crew will no doubt seat themselves around the table again and chatter about whatever is on their minds. Life will continue, I suppose until one of us, some of us and eventually all of us pass into eternity. Until then however, our small group of seniors represent a microcosm of folks who are pretty much non-existent to most folks in this country. Who cares, really how this sabotaged economy is affecting us?<br /> <br /> The politicians all want our valuable votes and promise us the world, which is not theirs to give away. And when many of us are swayed by their sweet talk and vote them into office, they promptly dismiss us knowing that we'll probably die off pretty soon anyway and besides, there will be a new crop of seniors coming down the pike to bamboozle come the next election cycle. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Residing in the Pacific Northwest, Ron Knowles reveals fantastic information on <a target='_blank' href="http://www.howtolearnandearnathome.blogspot.com">how to learn and earn at home</a> from his website and even has an educational newsletter that helps people choose the logical vehicle for doing so. For those who need to make more money and <a target='_blank' href="http://www.howtolearnandearnathome.blogspot.com">stay at home,</a> his system is fantastic. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-40486818013064169952009-11-20T10:09:00.000-08:002009-11-20T11:21:56.883-08:00When Too Big To Fail Becomes Too Big For A Lot Of Other Things<div style='font-style:italic;' class='uawbyline'>By Tom Wald</div><br /><div class='uawarticle'>By <a target='_blank' href="http://www.soundofftoamerica.com/profile/126/Tom-Wald-----Founder-Sound-Off-To-America.aspx">Tom Wald</a><br /> <br /> Anyone who knows me knows I hate the Wall Street bailouts. I think the concept of "Too Big To Fail", or TBTF as its now commonly abbreviated, is perhaps the greatest oxymoron of our times. If Too Big To Fail made any sense Aaron Gibson and Slavko Vranes would be considered the two greatest professional athletes ever. Never heard of those two guys? Well I guess that's sort of my point.<br /> <br /> However, unlike a couple of athletes too large to keep pace with faster and more agile competitors, the TBTF bailouts on Wall Street have been what I call the non-violent crime of the century. You see when you take the taxes paid by millions of hard working Americans and hand that money over to billionaires so they can use it to pay themselves more billions after they've sabotaged the economy for everyone else, well I'm afraid at that point you might as well argue to free Bernie Madoff, at least his theft wasn't government funded.<br /> <br /> Yet even after all of this our nation's new class system took a bizarre and deeply concerning turn last week when reports filtered through the news that Wall Street bailout recipients Goldman Sachs, Morgan Stanley and Citigroup had received doses of the H1N1 vaccine in quantities greater than and on delivery schedules well before those of public hospitals and doctor's offices. So in addition to getting their seven and eight figure bonuses financed by our taxes, these bankers and traders who created the economic mess that manifested itself in ten-plus percent unemployment last week are also getting the Swine Flu vaccine before our kids.<br /> <br /> So now TBTF has become TBTWILFTV - Too Big To Wait In Line For The Vaccine. What might we see next? Commuter lanes on our highways for Wall Street employees designated TBTHTSIT - Too Big To Have To Sit In Traffic. Or perhaps government classified hot lines into Disney for Wall Street parents deemed TBTWOLFHMT - Too Big To Wait On Line For Hannah Montana Tickets.<br /> <br /> Sound crazy? No crazier than a few hundred billion out of our pockets and first dibs on vaccines might have sounded a year ago. I wonder what kind of a response you would have gotten had you floated those ideas at an Obama victory rally. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>To express your opinion on this topic or others, go to <a target='_blank' href="http://www.soundofftoamerica.com">SoundOffToAmerica</a>. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-69419417968580918612009-11-17T17:24:00.000-08:002009-11-17T17:39:35.991-08:00Reasons To Think About Selling Gold For Cash<div style='font-style:italic;' class='uawbyline'>By Hank Grey</div><br /><div class='uawarticle'>Since the beginning of time, gold has been valuable, even when it was hard to come by. Back to the third millennium B.C, gold was used to signify wealth. It is still used in that capacity today. The Egyptians used gold as expensive jewelry decoration, with their leader on each necklace or medallion. Then there was the Great Gold Rush in California in the'00s. Nothing was more important to the people than finding gold. Some would sell gold, while others kept it as their most prized possession. Gold has always held an important place in our lives.<br /> <br /> Today the price of pure gold is very high, going for over $1,000 per ounce. Some people have predicted that it might even get up to $2,000 per ounce in the near future. This is reason why many people are selling gold items they no longer use. If you have any used jewelry that is just collecting dust in your jewelry box, it may be time to turn it into cash. But what is the right price for your gold?<br /> <br /> Since the cash for gold business is booming, there are a lot of gold buyers eagerly waiting for you to turn your gold into cash. They will take just about any kind of scrap gold that you have but example might include: broken necklaces where more than just the clasp or single link is missing, a single earring where the other is missing, out of style bulky gold chains, or just any other gold jewelry you don't wear anymore. Any of this type of scrap gold can be used to turn into cash which you can then use however you'd like. And this stuff doesn't even have to be broken. It can just be jewelry you don't wear anymore like a class ring. Think about this - if you never even take it out of the box anymore, any price is a good price.<br /> <br /> Now comes the more difficult part of finding a gold buyer. Normally you're going to want to contact a gold refiner with a good reputation who is BBB accredited. Then they'll send you a gold kit to mail in your gold into them. You may have more gold around your house than just jewelry, so do a quick search around before you seal up the package. The kit generally has labels with the address already on it so you just have to stick them on and pack away your gold and mail it in. When the company finally gets your jewelry, they will appraise it and then send you some kind of offer. At that point you can either accept or reject it. If you turn them down, they will send you your gold back (which is one of the important reasons to pick a reputable buyer since some may not).<br /> <br /> Let's look at a few factors that will impact the amount of cash offered for your gold. Pure gold may be close to $1000/ounce but jewelry is almost never pure gold because pure gold is too soft for jewelry making. Depending on pure your gold is will depend on how much an ounce gold buyers will pay you. Another issue is that the price of gold fluctuates minute to minute like the stock market. Your offer price will not change minute to minute but it is easy for it to change from day to day depending on the gold market. Some gold buyers may let you lock in a price when you contact them but if the price goes up then you lose out. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Hank writes articles on a website where he teaches people about <a target='_blank' href="http://sellgoldforcashguide.com/">cash for gold scams</a> and how to find the best gold buyers out there. If you want to learn more about <a target='_blank' href="http://howtosellgoldforcash.com/">selling gold for cash</a> visit his site. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-78354044999236296292009-11-15T05:30:00.000-08:002009-11-15T06:01:55.358-08:00Economic Thinking And Substance<div style='font-style:italic;' class='uawbyline'>By Peggy Stein</div><br /><div class='uawarticle'>Econometrics unites economic theory with economic statistics and mathematics. The end goal is to analyze and test economic relationships, using different scenarios and theoretical situations to predict what might logically happen. Students who do well in this discipline are generally bright in financial economics, economic research and statistics. What started in the thirties following the Great Depression is now being offered by leading economists at universities around the world.<br /> <br /> It's a common misconception that economic statistics and econometrics are exactly the same thing. The difference is that statistics are performed in controlled experiments with known data sets, whereas econometrics deals with data as is or data that is subjected to hypothetical possibilities too. Regression analysis is often used in this technique, which determines the mean of random variables is predicted based on the mean of previously measured variables. Other tools used include time-series analysis (measuring variables over a period of time) and cross-sectional analysis (studying the correlation between two variables at a certain point in time).<br /> <br /> As such, econometrics is an important area of economic research today. Rather than just relying on theory, economists can ground their assumptions in mathematical evidence in a more practical way. In the end, they may find that reducing interest rates leads to rises in lending, based on past activity. Or one may note that income levels increase in a straight line with levels of education. Governments use this method when determining international trade policies and projected budgets. Businesses use it when planning salary increases, crafting performance expectations and deciding their budgets. While it may not be perfect, it is an important tool used in economics today. Institutes who require quantitative methods of analyzing data, forecasting, modeling and forming policy need this.33333333<br /> <br /> Economics research experts say there have been 32 recessions since'54. The average economic recession lasted 17 months and began to expand for another 38 months before a full rebound was achieved. In recent history, we suffered a---month recession from July'81 through to November'82, an 8-month recession from July'90 through March'91 and another 8-month recession from March 2001 to November 2001. The current recession began in December 2007. While it caught average Americans off-guard, top market analysts were shaking their heads, saying they saw it coming for years.<br /> <br /> According to "macro economics" professors Antonio Fatas and Ilian Mihov at the INSEAD International Business School, there were some "classic macroeconomic imbalances that predicted the crisis." They argue the best way to avoid an economic recession is to have a stable pattern of consumption that matches national GDP, as we see in countries like Germany and France. In the US, the GDP went up 1% in the first quarter of 2008, which is extremely low, and then retracted 0.5% in the third quarter, which is the worst decline since 2001. When advanced economies build insurmountable deficits and their Gross Domestic Products decline, you can be rest assured a recession is on its way.<br /> <br /> "Economists are frequently interested in relationships between different quantities, for example between individual wages and the level of schooling. The most important job of econometrics is to quantify these relationships on the basis of available data and using statistical techniques, and to interpret, use or exploit the resulting outcomes appropriately" (A Guide To Modern Econometrics, Marno Veerbeek, 2008). In essence, this technique combines basic economics, observed data and statistical methods. The textbook goes on to say, "It is the interaction of these three that makes econometrics interesting, challenging and, perhaps, difficult."<br /> <br /> Economic theory has become a popularity issue, even a political football of the elitists. Sound Friedman school economic theory has been put in the box by politicians favoring the drunken spending theories proposed by Keynesian economic theory. Theory need building on quantifying realistic relationships and accounting for potential cyclical explosions.The economic recession has spread its insidious tentacles outside of the U.S. to global economics, hurting countries like Latvia, Estonia, Iceland, Ireland, Lithuania, Seychelles, Venezuela, Ukraine and Jamaica. Economics research shows that even the UK, Japan, China and Canada are feeling the pinch of America's pain. There's no telling how long we'll be in this recession or what the formula is for digging out, but many Americans are willing to trust the Obama-Biden administration with the task, while simply hoping and praying that we'll see a turnaround soon. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>When your supply dwindles or run out of bank checks and need to reorder <a target='_blank' href="http://www.checks4personal.com">cheap personal checks</a> buy <a target='_blank' href="http://www.checks4personal.com">cheap checks online</a> from cut-rate pricing exclusive to our supplier plus they have the huge category selection and designs available anywhere. Fast free shipping and satisfaction is guaranteed. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0tag:blogger.com,1999:blog-5890434582897347641.post-83995257938030048842009-11-13T06:04:00.000-08:002009-11-13T19:48:55.984-08:00Do You Know HowTo Accurately Compare Automobile Insurance Quotes?<div style='font-style:italic;' class='uawbyline'>By Nigel Vazquez</div><br /><div class='uawarticle'>There are two main things one must do in order to get low-cost quality auto insurance for their vehicle, first you must get yourself quotes from all of the auto insurance companies you are interested in and then you must compare each quote side-by-side to locate the best deal available.<br /> <br /> It is all too easy, and common I might add, for people to simply focus the comparison on the price. This is a very easy approach however it often doesn't pay in the long run. You see there are many other factors that can affect what you might end up having to pay further down the road.<br /> <br /> Let's take a look at something's you should be considering<br /> <br /> Payment Sizes<br /> <br /> One thing to consider when you compare auto insurance quotes is whether you're being quoted for three months, six months, or a year; a great deal can turn out to be not so good if you read the fine print and realize that your quote is for shorter than the standard six month coverage period.<br /> <br /> How the payments are structured may also matter to you when you compare safe auto insurance quotes.<br /> <br /> An example of this for instance could be if you came across two companies that offer a similar amount of service at a similar price range but one requires you to pay a big deposit upfront where as the other does not. Naturally you may want to go with the company that does not require a big deposit.<br /> <br /> How much coverage?<br /> <br /> Just how much coverage do you want? You should come to a decision on this and then see how each safe auto insurance quote compares when it comes to how much you pay for that amount of coverage.<br /> <br /> So if you find that a company's got a great offer and you have money left over in your budget, consider adjusting the coverage you request with that company.<br /> <br /> In other cases, you'll have coverage amounts dictated by whoever's in charge of your car loan, so make sure that inexpensive insurance gives the coverage you need.<br /> <br /> Just how stable and well known is the company?<br /> <br /> It is important to do some research into the company you are considering going with, especially if this is a company you know nothing about, like with every industry there are scams to be avoided.<br /> <br /> It is not unheard of for auto insurance companies to come up with excuses as to why they do not have to pay for your damages in accidents. These companies can be identified by doing a few searches to see what their customers have to say about their record in this regard.<br /> <br /> So be knowledgeable about the insurance company you do choose when you compare safe auto insurance quotes, compare coverage and rating periods, and you should end up with good coverage at a low price. - 31384</div><div class='uawresource'><div style='font-style:italic;' class='uawabout'><br /> About the Author:<br /> </div><div class='uawlinks'>Fill out our free of charge form to receive a <a target='_blank' href="http://www.reduceautoinsurancecosts.com/safe-auto-insurance-quotes/">Safe Car Insurance Quote</a> or 2 and start evaluating. </div><br /> </div>stevesterhttp://www.blogger.com/profile/00490148348476861571noreply@blogger.com0