October 24th, 2009 at 06:44am
Under Loans
I will probably need to replace my car soon, but I don’t know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It’d be about double for me, as I don’t have a spotless driving record). I was wondering if instead I could get a personal loan from the bank, say in the neighborhood of $3-5K and use that for a car thus saving me a bunch of money by not needing collision coverage if I could pay for the car in cash.
Now the questions … is this possible, or is there usually some stipulation that you can’t use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks!
By admin
October 16th, 2009 at 03:47am
Under Affiliate Marketing
I’ve just started to look into affiliate marketing, and I’m open to any new ideas or any information you may have. Please don’t hesitate to correspond.
By admin
October 12th, 2009 at 01:02am
Under Small Business
I am starting a small business and want to know what steps I need to do to ship to international destinations like Japan, Korea, or Mexico. My product is simple, similar to business cards, but I am trying to learn what steps I need to take to legally offer my goods in those countries. Do I simply fill out a customs form at the Post Office and I’m all set? Or are there “export agreements” or more complicated decisions I have to make? Legally, if I send my product to a client in Japan, for example, am I subject then to Japanese laws and possibly liable _in_ Japan for breaches of some license that I may be totally unaware of? Any help or suggestions would be greatly appreciated. Again, this is not a product like tobacco or alcohol, but simple pre-printed cards (very similar to business cards) that have a clients’ info on them. Any and all help will be greatly appreciated.
By admin
October 12th, 2009 at 12:19am
Under Finance
Pretty much exactly what the main question says. I have no idea what a “finance charge” is. For instance, would I be charged a finance charge if I charged a purchase, and then paid the balance immediately?
Any additional information that could be given would be great, as I’m considering getting my first credit card, and want to know everything I can so that I don’t get myself into trouble.
By admin
October 11th, 2009 at 11:55pm
Under Real Estate
Real Estate business has seen tremendous growth and so has been the need of Real Estate agent. Today more and more people are getting interested to become home owner and as the demand for real estate need increases the role of Real Estate Agent becomes more important. In the past one agent use to provide services to both seller and buyer but as the real estate market changed people started to realize that specialized service is more logical and beneficial. In Real Estate industry now buyer/seller are looking for specialized agents who can provide specialized related expertise, information and services required to complete the process. When a real estate agent represents both buyer and seller it really restricts agents to provide impartial service to either party.
Let’s look at the both (Seller/Buyer) scenario separately. A real estate agents who is a listing agent of seller has a fiduciary, ethically and moral duty to represent seller only.
By getting Exclusive Right to Sell Listing, the real estate agent is promising seller that he will live no stone unturned to market the home and find the best buyer at maximum possible market value for the home.
As a Buyer’s real estate agent he need to find the right home for buyer along with should all information of the community. When a buyer is exploring to buy a real estate property in new community, he is very much interested to find out several information related to that particular community such as population, crime, climate, schools, traffic, living standards etc. Buyer’s real estate agent should be well informed with all these information so that he can provide that information to buyer. It will be easier for buyer to make the decision based on these information. Once the buyer is ready to buy real estate property in the community then other part of the real estate agent’s duty starts. As buyer’s agent it is his responsibility to find a real estate property, as per buyers requirement. It is also buyer’s real estate agents duty to negotiate the best market price with seller.
So if seller and buyer are represented by their own specialized agent then both agents can play a partial and specialized role for their client..
So it is quite clear that one real estate agent representing both seller and buyer can not justify providing specialized service to both party. Both buyer and seller are in different need of services. That’s why specialized real estate service has become more in demand where buyer/seller can get impartiality specialized service during the process.
Never before has the role of specialists in the world of real estate been more important. With buyers and sellers requiring more services, the industry has seen an explosion of agents who specialize in either the representation of sellers or buyers. These specialist agents can provide a wealth of services and maintain a complete impartiality during the sales process as there is only one client to concern them.
Historically the sales transaction and the concerns of the buyer were the purview of a single realtor. However, as the industry has progressed so have the needs of each party and so the specialist arose. Buyers have some very particular needs, and specifically the need to feel that their best interests are seen to. Listing agents are representatives of the home’s owner and in that role they have a primary responsibility to that owner. How could they properly look after the needs of an interested buyer as well?
So what is it that a buyer’s agent does? Primarily the buyer’s agent will begin with the location of suitable properties for their clients. This is usually based upon a list of requirements and desires that the client has communicated to the agent. They will then arrange viewings and recap their findings with their clients and assist in deciding upon a good candidate for an offer. This will be based on the wealth of community information that a buyer’s agent commands. As specialists, they are experts on their given area which is critical in the education of clients on the areas that they are considering. Once a property is decided upon, the buyer’s agent changes significantly, evolving into an overseer-negotiator role. They will typically coordinate the inspections and conduct the negotiations with the listing agent. This includes the execution of the buyers subjects and the closing of the actual contract.
There is an art to representing a buyer. It is a role that has become ever more crucial in an industry where customer service is the single most important thing that an agent can offer. If you are in the market for a home then the buyer’s agent is the friend that you need to make sure that you are given the service that you deserve.
By admin
October 9th, 2009 at 11:02pm
Under Small Business
I have a home based craft business and I will be selling through my website and at craft fairs. I need to know if there is a general small business licence that covers internet sales or if a local city licence covers it. Thanks!
By admin
October 8th, 2009 at 05:59am
Under Home Business
I’d like to setup a home business by myself selling candles from home. I’d be operating from home and would be retailing them directly to any consumer who’d want to buy, as I made them.
Any special licenses or permits I’d need?
By admin
September 23rd, 2009 at 06:03am
Under Home Business
I’m looking to start selling some home made organic beauty products and would like to know how to start, I’ve already got the business plan figured out. I will be working on my own, selling mainly online or to local businesses. I’m also planning to import some oils from other countries. Please let me know what type of business ownership do I need? And what other steps I need to take in order to start my home business! Thank you!
By admin
September 14th, 2009 at 09:58pm
Under Affiliate Marketing
I have started to do some looking-into regarding affiliate marketing, and I need good information/ideas, if you have any information, please correspond!
Thanks!
By admin
September 4th, 2009 at 01:04pm
Under Small Business
I am a small business owner and have been developing my company for the past year. Because I left my previous job to start this business I do not have a current income and because my company only recently officially “opened for business” we do not have a profit line. Do I need to file? What about the business expenses that I incur?
By admin
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