Friday, 31 May 2013

The Cash Advance Credit Cards

While cash advance credit cards allow you to use part of your credit line to withdraw cash, there are a number of fees and fine print issues that must be considered before proceeding with a cash advance. Getting a cash advance from your credit card is easier than ever. However, one must be aware of the expenses associated with taking a cash advance before inserting their credit card into an ATM. While there are a limited amounted of credit cards that offer 0% cash advances for 1 year, most charge much higher interest rates on cash advances than they do on regular purchases.
First off, there is a 99% chance of being charged a cash advance fee. Of the over 70 credit cards covered on Credit Card Depot, I could not find a single card that charged less than a 2.9% cash advance fee. Some cards even impose a $10 minimum fee. That means the cash advance fee can be 5-10% if you are only taking $100 or $200. Taking out less than $300, therefore, can be expensive.
Now, unless you take advantage of a 0% interest cash advance offer, you will also be charged a higher interest rate on the money you take out. For example, a very popular credit card with a variable 11.24% interest rate on purchases charges 23.49% on cash advances. This is not the exception, but the rule. Regardless of your credit, you will likely be charged 23% or higher on your cash advance balance.
There's another sticky issue here. When you repay your credit card, your dollars go first to the balance that is being charged the lowest interest rate. For example, let's say you have a $2000 balance from purchases at 11.24% and a $1000 balance from cash advances at 23.49%. Until you have paid off the $2000 from purchases, you will continue to pay the higher interest rate on your cash advance. This is an unfortunate trap many cash advance users fall into.
Now, there are ways to limit the expense of taking a cash advance from your credit card. First, you can find offers that will give you a 0% interest rate for 1 year. At the end of that year, you can pay the cash advance balance in full or, if your credit is good enough, transfer that balance to a 0% balance transfer credit card. However, if you do not repay the cash advance, you will get hit with an interest rate in the mid to high 20% range. Also, you may be charged a balance transfer fee.
If you have a balance on your current credit card, it is probably better to get a new credit card for your cash advance to avoid the messy interest rate situation having purchases and cash advances on the same card creates. Also, if you cannot repay the cash advance in a short period of time, you could transfer the balance to your current credit card and pay a much lower interest rate on your cash advance.
Taking a cash advance from your credit card does cost money. However, the wise use of a cash advance can limit the astronomical expense taking a cash advance often entails. By taking interest rates, cash advance fees, and the fact that paying off a cash advance on a credit card with a balance is not that easy into consideration, one can effectively use a cash advance credit card without falling prey to the traps in your credit card's fine print.

Playing Bubble Shooter

Bubble Shooter is a simple and classic arcade game that is entertaining and easy to play. This game for people who likes to enjoy, have fun and combine it with a bit of relaxation. It's a diversion from games that are quite difficult and complex, and playing it can help you to loosen up a bit. It is an arcade game which is visually stimulating because it has colorful bubbles on the board and aside from that you can also hear cool sound effects in the background while you play.
How to play
Playing this game requires you to clear the board with as much bubbles as you can in one shot. Aim to fire at the bubbles which have the same color as the bubble that is also being fired. Once a cluster of three or more similarly colored bubbles collide, then a bubble fireworks takes place as bubbles of the same color explodes into tiny pieces. The number of bubbles on the board is lessened and this is how you score points for this game. The bigger the cluster of similarly colored bubbles burst, the greater the score that you will get with each shot. You will also get more free space on the board and it will make it easier for you to be able to play this game well. The best way to play this game is to always remember that its important to take the time to plan first where you will aim to shoot the bubbles.
For amateur players you can start playing the novice level but if you're already experienced then you can go for expert level and if you are already adept then go for the master level which is a notch and two notches more difficult relatively. When playing the game, be sure to have a strategy so that you can burst a whole lot of bubbles in one go. Don't go through it very quickly because the more you shoot, the more possibility of bubbles that will be added on the board making it very crowded. Be sure to check at the lower left side where you will see what color the next bubble will be so that you will be able to plan your next move. On the lower left side of the screen, there are four silver bubbles and one of them will be removed each time you fire a shot and fail to burst bubbles. The board will drop one level lower when all silver bubbles are gone and firing a bubbles becomes more difficult. The remedy is to aim well and be sure with every shot that is fired.
Adjustment of settings
Adjustment of the settings for this game can be done by clicking on the setup button at the upper right hand corner of the game screen. You can adjust the color of the board, and you can choose the difficulty level of the game. Other settings that you can change are the sound whether to turn it on or off and adjust the volume of the sound. Animation can also be enabled. There are also options such as auto save and graphics acceleration but in order to avail of it you must download the upgraded version of the game software, it has enhanced visual and sound effects and you can avail of it for free

Bad Credit Personal Loans

In the arena of loan borrowing, there is hardly an opponent more difficult to tackle than bad credit. Bad credit implies that your personal credit history is integral and decisive in making the personal loan available for you. Bad credit history is like very probable. It is not that you have not been repaying loans, sometimes financial accidents happen. And this might happen without any particular effort from your side. This leads to bad credit. Bad credit in simplest terms means that you are a high risk borrower and likely to make faulty loans repayments. You might say this conclusion is unfair. So is it hard to get bad credit personal loans. I say - no. Increasingly financial institutions have become flexible in their outlook towards personal loans application with bad credit.
Bad credit personal loan [http://www.chanceforloans.co.uk/secured_personal_loan.html] applications do get approved every second. There is no doubt about it. But remembering some simple basic things will make your bad credit personal loan application approved without any snag. First of all verify your credit ratings. Credit rating is the evaluation of individuals past loan repayment history. Credit rating is used as a yardstick against which the future ability of a creditor to pay back loans is measured. Bad credit for personal loans can be enforced if anyone who has history of previous county court judgments, bankruptcy, closure, charge-offs. All these materialize as bad credit on your credit ratings.
Interest rates! It usually then all boils down to interest rates. Bad credit implies higher interest rates for personal loans. Nothing in life comes without a price tag. This is the way of the real world. Subsequently, there is little scope for denial as far as higher interest rate for bad credit is concerned. One cannot evade paying higher interest rate for personal loans with bad credit. However, hunting for comparatively lower interest rate for bad credit is feasible. It is easy to do and very fruitful. You will never fail to find someone who can provide you with better interest rates. It is important to realize that higher interest rate for bad credit personal loans do not mean exaggerated interest rates. It only means that interest rate for bad credits are higher in comparison with personal loans without bad credit.
Interest rate for bad credit personal loans also depends on some factor like whether you are a homeowner or not. A bad credit personal loan which does not place collateral will attract higher interest rate. While a comparative secured personal loans with bad credit will have lower interest rate. With a Bad credit personal loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. A bad credit personal loan can be used for a variety of purposes like home improvement, vacation, wedding expenses, car purchase, wedding expenses, debt consolidation and any other purpose. However, try taking a lesser loan amount for a bad credit personal loan. It will make your bad credit personal loan plea more unobjectionable.
Bad credit personal loans can also act as a blessing in disguise. Bad credit personal loans can be a very dependable way to start on the way to credit repair and credit rebuilding. Taking bad credit personal loans will not only give you recourse for your financial requirements but enable you to rebuild your bad credit status. Make sure that your repayments for bad credit personal loans. Faulty repayments on a bad credit personal loan will add to your troubles in the context of loan borrowing.
Bad credit personal loan been interpreted as an impossibility. It is just appears like that through the veil of prior reservations for bad credit cases. One little push and loads of discipline will finally get you a personal loan even with bad credit. Discipline – am I talking like a school teacher? May be. But you need that discipline. You not only want bad credit personal loans, you also want to give up bad credit. Am I wrong? No. On little push – it is available online. And then you will see that smooth ride with bad credit personal loans is more than a possibility.

Payday cash advance

There are times you get in a financial bind. Even if you have tried to properly budget your money, you come across situations when you just need more, and the only way you can go is to turn payday cash advance. Payday cash advance is a legal financial solution that can help you get out of a financial jam quickly, easily and affordably - if you know how to utilize it properly.
Payday cash advances are probably the fastest financial assistance you can find. Applications can be filled up in a matter of minutes online and it is possible for you to fill up longer for them to approve your loan. When approved, you can wait for you money transferred directly to your account without waiting for your payday.
The use of payday cash advance is specific. Usually, when you get a payday cash advance, you already know how much you need. The loan itself is designed to allow you to only receive low amounts of money for a short term so you would not put yourself in a situation where you would borrow more money that you really need. There are states where they would set the maximum amount very low to safeguard you from yourself.
Applying for a payday cash advance is very easy. No longer would you need to wait in line and wait for the result of your credit investigation. You no longer need to fax in your application. By going online and availing of the simple method of applying online, you get easy access to application and get your money with minimal stress.
Payday cash advances are very affordable. You can avail of a credit card cash advance, but whether you get a minimal amount or the maximum allowable amount for case advance, you would be charged a standard service fee. With payday cash advance, the pay is dependent on the amount you borrowed and at a much lower rate.
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Merchant Cash Advance

Opens Doors to the Financial World for Many Retailers. The merchant cash advance industry is growing at an astonishing clip. This growth is because traditional banks are not meeting the needs of small businesses.
This product is very unique. It's a purchase of an asset, not a loan, so we have to use specific language consistent with a purchase of an asset, like retrieval rate and discount rate instead of interest rate. A lot like factoring but it's of a sale that hasn't yet happened.
A cash advance provider gives merchants a lump sum cash advance up front. In exchange, merchants agree to pay back the principal and fee, by giving the company an agreed percentage of their credit card sales until their balance is zero. This percentage is between 12%-24%. The payback time-frame is only 5-12 months.
Merchants generally must use the providers' credit card processor because the advance is paid back automatically as a percentage of each batch's proceeds. A small number of merchant cash advance companies do not require the merchant to change credit card processors. So if this would be a problem, make sure to ask the merchant cash advance company you are thinking about working with.
Cash advances are very different from traditional funding programs. In essence merchant cash advance providers purchase a small percentage of future MasterCard and Visa revenues, and the merchant repays this as a daily percentage of those revenues.
Getting cash from traditional financing institutions can be difficult for some businesses, particularly retail, restaurant, franchisees or seasonal businesses. These merchants most heavily use credit card processing, so merchant cash advance programs offer a number of benefits.
Why Do Merchants Like It
The cash is usually available more quickly than it is with traditional loans. These programs appeal especially to retail and restaurant merchants not only because these types of businesses can rarely get traditional funding, but also because of the immediate liquidity.
Most cash advance providers advertise that the cash can be available in about 10 days. Unlike a loan with a fixed rate of interest, amount due and set due date each month, with merchant cash advances the money is paid back as credit card receivables come in.
Merchant Cash Advance programs are cash flow friendly, especially during seasonally slow periods. Traditional loans and leases require a set payment every month, whether the business has made a sale or not. Because payments are calculated as a percentage of sales, if sales are growing, the amortization could be quicker, but if the proprietor experiences some interruption or downturn in business, the payments will be lower.
In most cases, business owners put up no personal collateral and make no personal guarantee.
How Providers Make Money
Finance charges can vary widely, not just from one provider to another, but from one advance to another. As an example, the range of financing on a $10,000 advance could be as low as $1500 or as high as $4,000. That's a 60% difference.
There is no fixed interest rate; the effective interest rate varies depending on the business. If the merchant's business is doing well and sales are up, the advance provider collects the money sooner and the interest rate is rather high. Since there is no time limit on paying back the loan, the effective annual rate decreases as the payments are extended over time, although the cash provider typically forecasts a fairly short period for payback, usually less than a year.
There's no question that the merchant's cost for this kind of financing is going to come in more than a conventional loan, but it's pretty much a foregone conclusion that a conventional bank will reject this merchant for their much needed loan.
The merchants interested in a program like this may have a sketchy or distressed credit history. They'll have things like past tax issues, a list of delinquencies, collection matters, liens or judgments that would be an automatic red flag for a conventional bank. The merchant cash advance industry caters to businesses that can't get traditional funding.
A Risk Worth Taking
There is a risk to cash advance providers and a fairly high risk (hence the higher cost to the merchant for the money), but they use sophisticated models to determine the future likely credit card purchases. They also offer the cash with relatively short payback periods to help mitigate risk.
Although approval isn't as difficult as it is for most bank loans, few cash advance providers will approve new merchants without a history of credit card transactions. Even fewer will approve sums larger than what merchants can reasonably expect to earn from credit card transactions in a year.
The provider of the merchant cash advance takes all of the risk, the risk is high, but since it is paid out of projected future sales, it is typically a risk worth taking. Seasonal businesses that need cash to carry them through lean seasons or merchants who have an unexpected downturn in business (say because of road construction, building repairs or extended illness) might find a need for a cash advance until business picks up again.
However, merchant cash advance companies say that ailing businesses are not the only merchants interested in this kind of program. Many types of businesses are often underserved by traditional funding institutions. Take for example a restaurant, it could be a very successful business, but a traditional bank wants to see tangible assets. Perishable foods or used restaurant equipment just won't make the cut, even if that restaurant is packed every night.
There are many examples of times when owners of healthy small businesses could use cash to help build their businesses but can't get the traditional funding necessary. These include franchisees who have exhausted their savings to purchase their first franchise and want to open a second one; merchants whose competitors have closed and have the chance to buy their competitor's old inventory or move into a new location; expansions; buyouts; or simply the desire to move quickly on a perceived new opportunity.
Dan Ollman is President of Crown Financial Services. Crown Financial Services is a proud member of the American Cash Flow Association, Las Vegas Chamber of Commerce and the Las Vegas Better Business Bureau. They provide working capital to businesses by purchasing a small portion of their future credit card sales.