When applying for bad credit auto loans, there are two main types to consider. The first of these is a personal loan that is written out without any collateral on your behalf. Your word and the title to the car is used to guarantee the loan. The other type is a bad credit auto loan that is guaranteed not just by the car’s title and your word, but also by the signature of a creditworthy cosigner. This can be your parent, friend, sister, aunt, or anyone who trusts you and believes that you will repay the bad credit loan servicer for the money that is extended to you to buy the car. Not everyone is comfortable with cosigning a loan for someone with bad credit, which means that it is oftentimes hard to find a cosigner to go the loan with you. Nonetheless, if you can find someone who is willing to cosign for you, then you can enjoy a lower rate of interest than you would with just a basic bad credit auto loan.

Its more than just warm in California.

Things have been quiet on the blog front, and I cant even blame a lack of content. Dr. Roger Martin has provided grist for at least two blog opportunities all on his own.

What I can report on is a couple of recently closed new transactions in California. The idea of opeining an office in Santa Monica in November 2009 had nothing to do with the beautiful climate: honestly! The first deal of 2012 was a US$6 million venture debt financing for a Silicon Valley-based provider of social software and services. The company supports a number of Fortune 1000 Companies and is backed by several VC firms based in the area. That closed in January.

The second Cali deal was a US$7.5 million growth capital loan for a mobile banking and payment solutions provider. The company supports many of the largest global financial institutions, including many of North America’s top banks. I

Read all post…

The recent chapter 11 bankruptcy filings by AMR Corporation (American Airlines) and Global Aviation Holdings Inc. (World Airways and North American Airlines) have left thousands of creditors and equityholders holding billions of dollars worth of claims and interests.  The open question – which in both groups of bankruptcy cases is unlikely to be definitively answered for months or longer – is what monetary recovery those creditors and equityholders will receive at the conclusion of the bankruptcy process.

As anyone with even passing familiarity with the commercial airline industry is certainly aware, the last decade was extremely challenging for airlines. Read all post…

As businesses large and small rush to incorporate social media into their marketing strategies, most are still
figuring it out as they go along. Lots of trial and error, lots of tweaking, lots of uncertainty as to what will really work.

While larger companies have the resources to hire experts and try various tactics, small businesses must become
social media “experts” themselves – developing strategy, implementing and monitoring. And along the way, they will ask and answer the same core questions over and over:

• Are we connecting with customers through social media?
• Are we finding new customers?
• Can we monetize our social media efforts? In other words, is there tangible payoff?

There’s a great article in The Wall Street Journal that details pros and cons of social media from the perspective of two very different small businesses. Read it

Read all post…

Bad Credit Student Finance – Help You Cater All Educational Needs

Credit problems? Get the acclaimed plain-English guide to fixing your credit report!

Nearly 80 percent of credit reports contain errors. In a tough economy when credit is tight, you need to be certain that your financial records are correct and up-to-date. A less-than-flattering report can hurt your chances of qualifying for credit card, loans, renting an apartment or even finding a job.

But a bad credit report can almost always be improved or corrected. Credit Repair shows you how to fix your credit situation quickly and easily, explaining the necessary steps in plain English….

Credit Repair

Bad credit status has been a problem for many people in availing an advance. This is not anymore a problem for finance-seekers. You can easily apply for if you need funds for educational purpose. They are granted to those who have poor financial standing. The

Read all post…

Anything that sells for $10,000 a pound must draw attention, right? People are selling anything and everything these days in order to raise a little extra cash, and some are doing very well in this business, especially by selling “old” or “unwanted” goods that have been cluttering up their homes for years. But going out hunting and getting one’s hands on horns that have been poached or sawn off freshly killed animals has to be pretty low on the list of money-making ideas.   Rhino horns Rhino horns are now being advertised illegally online, amid unprecedented poaching levels and soaring black market prices paid for them by international criminal syndicates. An easily available advert on the internet describes a rhino horn as a “legally-registered” antique from Cameroon which can be shipped to you at any time. The latest Read all post…

Chapter 7 Bankruptcy

What is chapter 7 bankruptcy you ask? Well this is the one that most people tend to choose. It is where all your debts are cleared and gives you a “fresh start.” You can choose to keep some of your belongings like your car and your house.

This is the one that most people use since it relieves them completely from the burden of their finances. This was also the one that I chose to do; I figured since I wanted to get rid of all my debt I chose the “fresh start.”

Chapter 13 Bankruptcy

What is chapter 13 bankruptcy? This is where you have a strong enough income coming in; however the interest rates or for whatever reason you are behind and having difficult paying your financial obligations.

This type of bankruptcy is similar to a chapter 7 bankruptcy except that you still pay the creditors that you owe money to and it is paid through a trustee that is appointed to maintain a debtors bankruptcy estate.

I was told when I talked to my attorney that once you negotiate a monthly payment with the trustee; then this can not be changed. So if y

Read all post…