5 Reasons Why Parents Shouldn’t Buy From Second Hand Baby Stores

The overall number of second hand baby stores have more than doubled in the past few years. This means that today there happens to be as many second hand stores as those selling new baby items. Perhaps one of the reasons for the growing number of stores is the fact that the profit margin is pretty good compared to selling new clothes. That said from a parent’s stand point buying second hand clothing, shoes, toys and other items for kids is not a good idea. Here are a few reasons why experts recommend that parents do not buy from second hand baby stores.

Clothes may be infested with various diseases

Babies have almost no immune system which is why they are vulnerable to almost anything. Conditions like the common cold, small pox, chicken pox etc., can all be transferred from clothing or toys to a baby. Even though second hand baby clothes are first dry-cleaned in most cases prior to being sold this does not make them safe to wear which is why experts advise against buying second hand. That said there are a number of resilient viruses that can easily withstand the cleaning and disinfecting process used by most stores.

Items are not durable

Second hand baby stores often sell items which are repaired or already half way into their service life. Yes you will save 70% off buying a brand new stroller or a car seat for instance but they will not last as long, so you’ll need to buy another one just a few months later. Also because many of these items have been repaired there is no telling when the wheels of a baby stroller may fall off or when the safety strap on the car seat may break.

‘Slightly used’ is a relative term

Many baby stores selling second items may advertise that they are ‘slightly used’ but what is a slightly use item? The term is subjective but it’s a great way for the seller not to tell you that they do not know anything about how the item was used and exactly how much it was used. This ambiguity is a huge risk you shouldn’t be taking with your children.

You cannot return items

Online baby stores that sell second hand items have no return, refund or warranty policy. So, once these items arrive at your doorstep there is nothing you can do to get your money back or a replacement in the event they are broken, torn, or defective. What may look fine in a photograph may not necessarily reflect the item’s true condition which is what makes buying second hand items online risky and often a waste of money.

You’re wasting your time

If you want to find that rare gem when searching through second hand baby stores online it’s going to take you lots of time and you may still end up with trash. The same goes for searching for these items offline. So, you’re better off saving your time and buying new to begin with.

Article Source: http://EzineArticles.com/8472448

An Interesting Theme of Your Online Business

Residual income is when you do the work one time and get paid forever.
Sounds great… huh?

It is passive, recurring income that comes to you every month or time
or certain thing happens.

Think about this – If you work on hourly basis for 2 hours and get paid
of say… $100. You don’t get any backend income on your 2 hours
hard work. Your profit is just $100.00 onetime.

If you work the same 2 hours on some of the projects that are around
or your own, you will be paid continuously month after month. So if you
get paid $20 every month , your profits will be $240 per year.

This means multiple payments of $20 every month will be always profitable
than one time payment of $100. This is the charm of the
residual income programs.

Every online business person needs to follow this principle to start
earning residual incomes.

Here are a few of the ways you could be earning residual profits in
your business:

1. Membership site – If you have your own membership site, you will be
paid every month by your members. No need to sell again and again to them.

2. Affiliate Programs – There are hundreds of affiliate programs on the
net. Choose wisely before expecting your reasonable residual income.

Your affiliate product should offer you atleast 30% of the product prize.
If your affiliate product is good and with your effort, certainly you will
be profited by the affiliate programs.

Most of the people join in every affiliate program and advertise for few
days and quit and join in another program. This will be pure waste of
time. So try to concentrate on few selected programs.

3. eBooks – Yep…Another way of getting residual income. Whether free
ebooks or ebooks with resale rights or ebooks for their personal use, once
they go with your name and web site links means, they will send you constant
traffic to your web site.

After keeping links, always check them whether working are not.

4. Sell a product and offer upgrades for a minimum fee: This is another
way of getting residual income. If your product needs to be upgrade, you
can do that at specific intervals with minimum fee.

At these situations, your initial product prize should be reasonable. Otherwise
nobody will buy a high prized product that needs to pay for upgrades too.

5. Certain businesses: Like web hosting business. Once you get a customer
means, you will get everymonth payment from him. Some other businesses
like offering merchant accounts, hosting forums, shoping carts etc also produce
regular monthly income.

Conclusion: These are only few ideas on getting residual income.You can think of
your own way of getting it on your specific product.

No matter whether you started your online business few months back or today…
Always try to get something from it in the coming years.

Effective Strategies to Increase Profits

The crux of any business is to operate successfully in a highly competitive world, which simply gets measured by the size of the profits that are generated. While a number of other parameters are also used to gauge how an enterprise runs, profit still reigns supreme and therefore the key to the success of any business, is to formulate an effective strategy to increase profits.

Business success is the result of co-ordinated focus on different ways to thrive and remain on top, which could translate into numbers of (a) customers, (b) enquiries,(c) units sold/serviced or for that matter even abstract and difficult measures to customer satisfaction, but in the end, it is always how in some form ‘to increase profits’, or simply how to run a profitable business.

Here let us taking a look around into a small shopee store with a peculiar sounding name Lovelysweet Candy Parlour, who run a popular candy business in a local neighbourhood of downtown Philadelphia. LCP or Lovely as they are called, sell a variety of candies of many makes, colours, flavours and of course tastes and suited to customers of all ages, as attractive small goodies which cater to people of all streams in wide range of events/likes. Let’s see how these ‘Lovely’ folks go about their job of churning a profitable business from basic but creative thinking.

Push 1: LCP thinks innovatively and creates customer interest offering a ‘freebie’, an attractive packet of lip-smacking chocos which are price-tagged at 4 dollars, along with each $50 spent. Just an attractive poster display could make the customer buy for a minimum of $50, instead of stopping at $40 or 41 or so, and when he / she opts for the ‘freebie’ the counter girl offers a “double-pack” for just 6 dollars.

Push 2: LCP next offers a 20% discount by means of a small coupon card or something close to it on the next visit / order which quietly but effectively builds customer loyalty but unobtrusively mentioning “when the buy is for $200”.

Push 3: LCP ensures that the packing on each product is attractively and convenience-wrapped, since many of them are meant as gifts – so the contact information, phone or name merges as noticeable part of the packing but unobtrusively spreading the customer net to the giftees as well.

Push 4. LCP often uses co-sponsoring events closely intertwined with like businesses such as flowers, bathing products and so on, improving visibility all the way.

In effect what we did see is a simple demonstration of business success, adopted by the Lovelys. The focus was on three basic steps (a) to make each customer to buy a wee-bit more, (b) to make him/her to buy more often, and thirdly (c) to make others to buy – in effect widening the customer base.

While these steps do not seem to be directly targeted on increasing profits, they really are, as the attack is on the in-built systems, to discover and tap the hidden resources from within, and finally turn towards a more successful business. In reality, efforts were on quietly to increase profits in each step. Increased profits would not only be the means but also the end, leading to business success and ultimately towards more profitable businesses which can thrive and grow – no stopping possible.

How To Promote A Concert: A Few Tips

Please accept the information below as a guide offering suggestions for publicizing a concert and encourage maximum attendance
and success!

Some of the recommendations may not be appropriate for your type of concert. While some of the concepts may be obvious,
others may be new but worthy of a try.

I will cover the aspects of flyer/poster concert promotion and a few tips for media promotion..

Firstly, the single most importand thing when you want to promote a concert is to start delegating duties and make sure helpers know
what’s expected of them.

So let’s start!

[Flyers and Posters]

It’s importand to have a well designed, eye-catching flyer or poster. It will show people that the concert deserves their anticipation,
time and money.

The artist’s management may provide you with some flyers or posters to start with.

If you prefer to create your own flyer or poster, you should find a graphics professional or pronting company willing to donate
services in exchange for advertising..

If it’s the first time the artist is coming to your town or city be sure to include a testimonial on the flyer or poster. A flyer that simple
advertises an artist or a band will mean nothing to someone who has never heard of them!

Assign volunteers to post the flyers in places likely to attract the most attention. Try grocery stores, local chamber of Commerce
offices, Art Councils or other communities, malls, shoping plazas, music stores, book stores, galleries and other popular gathering
spots where flyers are displayed routinely but be sure to ask for permission before posting.

Do not forget to post the flyers or posters to the concert location itself! Try to hang posters as close to the average eye level as possible..

[Media and other sources of publicity]

List the concert in community calendars, Newspaper, Magazines or radio and TV stations if possible. Radio and Tv stations may be
willing to anounce events for free.

Be sure to notice them many weeks in advance. In the listing include the date of the concert, time, location, ticket price, ticket outlets,
sponsors of course and phone numbers for information.

Ask promotional material from the artist’s managementslike interviews, video clips, song samples, photographs etc. Try to deliver the
material to the media along with the news release anouncing the concert.

Make sure you follow up by phone. Ask from the management to arrange an interview with the artist(s) if possible. Discuss other
possibilities.

Provide artist’s promo material (if available) to radio stations likely to air it. Encourage them to play it often especially a week or two
before the concert. Have volunteers and friends telephone the stations and request more..!

If you are using an answering machine make a recording using sound clips from the artist. Advertise the phone numbers available to call
in newspapaer or on the radio. Include a short message in the recordings detailing concert info.

When you are online, subscribe to any music-related newsgroups or bulletin boards. Post messages about your anticipation, plans and
later, show specific information! Of course if you own a website, consider creating a special area to advertise the concert with a hot-link
to the artist’s home page (if any).

Ask from the media to co-sponsor (sharing in work or revenues) or to endorse the concert for publicity purposes. If they say ‘YES’
then make sure you include a ‘..co-sponsored by..’ message in the flyers and other promotional material..

Article Source: http://EzineArticles.com/326173

Best Time Management Tips

Looking for the BEST Time-Management Tips? Here they are! More on the way!

Take Action! – By getting something done we clear it from our list, it lightens our concerns, diminishes complexity, and frees up a vast amount of mental energy. Few things create greater physical and mental energy than a sense of accomplishment and completion. We feel like heroes, we like ourselves better, feel more worthy, and we take this energy, excitement and sense of increased confidence into the next task. String a few these together in fairly close proximity, and you create a sense of momentum which makes all successive tasks seem lighter. So working this time management tool not only helps you save time, it gives you a powerful psychological boost. Furthermore, being seen as someone who takes charge and gets things done can take months or years off the amount of time it might take you to progress in your career track – saving you even more time.

Take Only Productive Action – Many people confuse activity (moving about) with productivity (actually creates value or desired reward). The two couldn’t be farther apart. This is one of the greatest overall time wasters in business and costs companies a significant chunk of their profits. People just don’t understand this concept of high-value vs. low value (or no value) tasks. If I am paying you $20 per hour – is what you are doing producing this much income or more? (* In reality, because the benefits, expenses, and risk, you really need to be generating $2.00 worth of profit per $1.00 of income, minimally) This is the way you would think if you owned your own small business and wanted to be able to pay both the bills and yourself at the end of the week. So why don’t we teach this mindset (scale) to our employees? Why indeed. The key is that if you know it and you can act on it – you’ll be more productive, get paid more and save time (my 3 favorite things!). You also save time in this way by noting and eliminating as many no-income or low-income producing tasks as possible.

Pocket Notebook – The humble $.50 pocket notebook is still one the classic greats of time management. The pocket notebook and I were “timesaving best-buddies” for many years and still are. Even with my $300 Pocket PC, I still constantly reach for my pocket notebook to quickly jot down times, information, appointments and phone numbers, that I just can’t get into the Pocket PC quickly enough over the phone or during a conversation. I then later plug this information into the Pocket PC. But there are some things I never put into the Pocket PC, such as, personal notes, ideas and quick to do lists for the day that would get lost in my Pocket PC. If you can’t afford a $300 Pocket PC, grab a $.50 pocket notebook and check it several times a day – it’s a great timesaver and you can’t beat the price! Things that “drop on the floor,” or “fall through the cracks,” are some of the greatest time wasters that plague us. By making good use of organizational tools such as the pocket notebook and Pocket PC we will always look sharp and professional by never missing a date or losing key information. These mistakes cost is major time, money, and damage or overall reputation. Prevention of these losses … priceless!

Buy extra quantities of supplies – This can be a major timesaver. It’s a foolish person who thinks that they are somehow saving money or being frugal by only buying the bare minimum of supplies to get by. Ask yourself this question: Will I use this amount of supplies in the next three to six months? Having this amount of supplies means you will only have to shop for supplies every three to six months. I know people who spent an hour or more at OfficeMax, Staples, Office Depot per week buying supplies because they went too skimpy on their last purchase (in a bizarre attempt to “save money”). Don’t they realize that with a half an hour drive time this adds 50-60 hours per year to their workload compared to shoping quarterly? See how much that equals and wages … and see if you are really “saving money.” Beyond wasting money in this fashion they continually look unprofessional when they reach for a supply and it isn’t there at the most inconvenient time. If you are going to err in any direction, be overstocked on supplies.

The same is true on the home front, make sure you’ve got plenty of supplies so you don’t have to make so many trips to the grocery store. I make sure I have a two to three month supply of all paper goods, dried goods, canned goods, bottled goods (like wine and water), and emergency supplies (just in case).

I once spent a week with my parents on vacation, and now that they are retired, they go to the grocery store almost daily. I find this hysterical, but they don’t think it’s so funny. They complain about having to go to the grocery store all the time, and how absurd it is … but in the car they go for another trip. I think they are just bored … but I don’t have that kind of time to waste… I’m not retired yet!

Choosing The Best Home Elliptical Machine For Your Space And Budget

For years elliptical machines have been one of the most popular machines in many health clubs around the world. These machines do a wonderful job at helping people lose weight and feel better. There are however many people who would prefer to workout at home and use the best home elliptical machine they can afford to do so. Choosing the best home elliptical machine represents a large investment to the potential buyer, not just financially but also in their physical health. The last thing you want to happen is to buy the wrong machine and get frustrated before you even start. Knowing a few major things to look for can help you make the right decision for a machine you will enjoy for years to come.

Elliptical Machine Shoping Points

Price: You have to be honest with yourself when it comes to price and shop in the price range that you can afford. Although they start around a few hundred dollars many fitness experts claim a great home elliptical will cost around $1000.

Machine Feel: You should visit your local exercise machine dealer and try various machines in your price range out. This will allow you to feel what machine is the best home elliptical machine for your style. You may find that you may need to spend a little more then you thought once you try some machines out.

Machine Size: Ellipticals come in many different sizes, from large commercial style machines to the smaller fold up machines. You should make sure that you look at machines that fit your living style and space. For example you maybe better off with a smaller fold up machine if you have a small apartment or do not like clutter!

Many different companies manufacture ellipticals and they all claim to have the best home elliptical machine. But in reality many of these machines are poorly engineered machines that will do nothing more then anger the buyer and even destroy the desire to exercise. So be sure and shop thoroughly before you commit to buy!

Buy Wholesale Office Supplies to Cut Costs From a Wholesaler

All too often companies will buy office supplies from major brand name stores that have near retail pricing, or over priced dealer prices. When businesses buy office supplies from these sources, they are losing substantial amounts of money that can be better spent. This article is going to show you how to buy wholesale office supplies at low prices to lower your bottom line on your company’s budget.

There is no reason to pay $50 for a box of paper, the underlying cost is a lot less and this is a big mark up! Pens and Pencils, calendars and other office supplies are all too often gouging the small business in the pocket book. There is a vast number of office supply wholesalers on the internet that can help you to lower these expenses.

So whether you are looking for binders, boards, coffee, envelopes, file folders, storate, tape, clicks or mail room shipping supplies, we can help you to find these items at below dealer pricing.

Your best place to start in finding these discounted items is to search the web for terms like wholesale office supplies or office supply wholesaler. This will give you a large number of companies that specialize in selling items at bulk and below dealer pricing.

One of the largest expenses for the small business is ink and toner. You can do a little research by using your cartridge item number when searching the internet. If searching for a specific item such as ink and toner, I recommend you use comparison shoping web sites to find your item at the lowest cost. You can go on these web sites and find your toner cartridge at literally hundreds of different web sites and compare the office supplies or toner pricing from one place.

Lets say that your small business spends $200 per month on office supplies and equipment. With these money saving tactics you could most likely cut that in half. Saving you over $1,200 per year. $1,200 savings on office supplies could be better spent on marketing your company or research and development.

In conclusion, we hope that we helped you to lower your expenses for office supplies and increase the size of your wallet. Shop around, shop smart and be savvy. Best of luck to you and your business. Hopefully it goes well, and you succeed in everything you do with your business.

A Paradise For All Shoppers

It is a well-known fact that Singapore is the most-preferred tourist destination in Asia. Besides exotic locales and scrumptious cuisine, shopping is another charm that attracts a huge number of tourists every year to this lion city of Singapore. With around 250 shopping malls including those offering duty-free shopping, Singapore can metaphorically be defined as the paradise of shopping.

Not all the shopping junctions of Singapore can be accumulated at one place. This article presents only a few important places where you must visit once.

Shopping Belt around Orchard Road-Marina Bay
Measuring 5km in length, this is the most famous shopping destination of Singapore that comprises of several malls and centers specializing in different things. Centrepoint, Hilton Shopping Gallery, Ngee Ann City (the largest mall), Suntec City Mall and Tanglin Shopping Centre are famous malls in this belt. Though a bit aged, Far East Shoping Plaza is good place for high-street bargaining on most-modern clothes, gems and music CDs. You can even get any part of your body tattooed (if interested) or just flaunt a bohemian necklace.

Sim Lim Square
To satisfy your high-tech cravings, visit Sim Lim Square, known as the Electronic Mecca. Here you find 6 levels of computer-related shops that offer the best prices in Singapore. Before you make final purchase, go for the lowest prices and just don’t bothered about getting a customers service.

Chinatown, Little India and Kampong Glam
If you are interested in buying for ethnic stuff then visit markets at Chinatown, Little India or Kampong Glam. Though there are some shops at Chinatown, believed to be tacky but still you will really get some nice souvenirs for your friends and family.

Mustafa Centre
Open for 24 *7, Mustafa Centre is known as the last place for Singapore shopping where you get everything from groceries to ethnic jewelry to the latest item in electronics. If you are running short of time, then you should visit this market to get stuff of your choice on cheap rates.

Thieves Market
Located at Sungei Road, Thieves Market is a place which was earlier famous for stolen or second-hand novelty items and handicrafts. The market is still one of the most visited places in Singapore. What you find here are makeshift stalls surrounded by local people bargaining over price. If you are tired of the glitzy Singaporean malls and high-profile markets, then head towards Thieves Market at Sungei Road and who knows you may get something unique and special.

Enjoy shopping at Grand Annual sale
If you are a shop-alcoholic, then visit Singapore during the mid-year when the city organizes the Great Singapore Sale. During this sale time, all major shopping centres mark their prices down for a fixed period time. Enjoy shopping at Great Singapore Sale and avail huge discount on all items. Remember to go there at the beginning and you will get the right shopping deal.

Even the small shops at street markets sell different enticing tourist wares like painted fans, Chinese seals. With so much choices in shopping and duty-free shopping at some shops, who wouldn’t get charmed to Singapore! Before you come to this beautiful Asian tourist destination, book a good Singapore hotel to enjoy your stay at this beautiful city. Reading some Singapore hotel reviews will prove to be a good help to find the best accommodation here.

Bimini Tops For Pontoon Boats Should Have an Amazing Warranty

There are a lot of different bimini tops out there. Or are there? If you really look you will find a lot of DISTRIBUTORS out there that sell bimini tops made by companies like Carver, Attwood, and Taylor Made. Sure you can find some that manufacture their own but how well do those companies stand behind their work? You can tell the confidence a company has in its products by the warranty it is willing to put on it. Many businesses simply warrant the material. For example Sunbrella has a 10 year warranty against fading and deteriorating. Glen Raven Mills who makes sunbrella warrants the material, not the bimini top manufacturer. But what about the craftsmanship of the bimini top itself? You may find some distributors and manufacturers that will give you a 2-3 year warranty on their craftsmanship. I find this insulting and you should too. Basically they are letting you know that they are not confident in either their ability to sew a quality item or they are not willing to use the correct raw materials to do so.

The main factor that determines cost of a bimini top is the fabric. The fabric manufacturer such as Glen Raven Mills’ Sunbrella already warrants the material. All that is left to a bimini top are zippers, thread, and binding -also called edging. These are very inexpensive items. You shouldn’t have to buy a brand new bimini because your zippers break. You also shouldn’t have to pay a custom canvas shop a lot of money to replace that zipper. You SHOULD be able to send it to the company that manufactured it and have them fix it for you. These items are inexpensive for the manufacturer and these are items that you can’t walk into a big box store to buy. You are at the mercy of the manufacturer or a custom canvas shop to have your bimini top repaired. There is at least one company out there doing what is right- they guarantee their work for the entire time you own their bimini top and frame.

When you are shoping for a new bimini top and frame make sure the company you buy your bimini top from only use marine grade thread that is treated to hold up against UV rays. They should use YKK or Lenzip zippers with metal sliders not plastic sliders. They should use color matched binding and send the entire bimini top through a machine called a surger to make sure the material will not unravel around the edges. The front and rear “pockets” (pieces of material that go around the framework) should be sewn down with three lock stitches instead of just one. This ensures the bimini top won’t separate when tension is applied to the frame to hold the fabric tight. A zipper is usually utilized in the pocket so it can zip around the framework.

Heavy duty stainless strap hooks and heavyweight webbing straps should also be utilized. All the parts that hold the framework together should be treated to resist UV rays. Their should be a warranty on those parts as well. Should you break a strap or the pieces that hold the frame together, you should be able to have those parts replaced for free. Why? Because they are inexpensive items and your piece of mind that you have a company standing behind you is worth it. You are also more prone to tell your family and friends about a company that will do this for you. It just makes sense for everyone.

It will pay off for you to do your homework on the company you buy your bimini top from. Make sure you ask these questions and demand answers. Make sure you are aware of what kind of service after the sale you will be getting. If the company you want to buy the bimini top from does not offer a warranty for more than a few years put them on the spot and ask why. Demand better. Demand service. Demand quality.

Northstar Products’ mission is to provide boat owners with high quality parts and products for their boats. We strive to do this at the lowest possible prices while still retaining a high level of customer service. We will exceed your expectations with our quality, timeliness, and professionalism. We are committed to making sure you are pleased with your purchase now and in the future. Northstar has been designing and building canvas for boats for over 35 years. Let our expertise and experience help guide you in making a good decision. If we can’t help you we will point you in the direction of someone who can. Our goal as a fellow boater is to give you the best products at the best prices with the best warranties.

Build Your Website With CMS and Do Something About SEO

Maybe you have always found out many pretty websites which are designed to show a cool flash or huge image, but they will be difficult to be searched in some main search engine such as Google, Yahoo!, Bing and so on. Why? Just like sometime you want to search the homepage of a company, but finally you get a list of advertisements or comments about this company. You must be puzzled, because you did search the information about this company by the name of it.

It is a truth that you have to do some SEO job if you want to make your website can be searched easily, or in other words, you want to make your website to be shown as the first search result in the result list when search engineer’s users enter the keywords about your website.

In fact, it is too difficult to build a new website for a webmaster whom knows little about HTML, CSS, PHP, AJAX and JavaScript. But now you can use many popular CMS (content management system) to build the whole of the website. For example, Joomla!, Durpal and WordPress are popular CMS based on PHP, they can help you set up your website and do some optimize. By the help of CMS, you can add new users, articles and mulmedia documents into your website easily. Besides, you can also add some kinds of plug-ins and mudules to achieve many special functions such as Authentication Control, C2C Shoping Cart and so on.

Especially, you can also change the templates by the CMS in order to beautify your website. And you can also modify some settings to optimize your website. Usually we will make the URLs more friendly to search engine, and set the keywords and description of the website.

GPS Shopping Tips

When looking for automotive GPS systems, it will all seem confusing at first due to the wide variety of pricing, features and brands. In fact there are probably hundreds of models available today. Also, the price can vary greatly from model to model, depending on the features. When searching for automotive GPS units, you first have to know what options are available. Do you want just a standard system that can help you travel from one place to another, or do you want something more sophisticated with additional capabilities? If you just need something basic, then you should look at a price range at the lower end of the scale. Some of the options available for automotive GPS include widescreen or standard size, preloaded maps, Touch screen to easily look up addresses and services, voice-prompted, turn-by-turn directions that speak street names to your destination, and some and will calculate a more fuel-efficient route for you. Also, do you want Bluetooth capabilities?

Another thing which you might want to consider is if it is small enough and light enough to carry it with you when you get to your destination and the ability to continue to use it while wandering on foot and how long the battery will hold up; is it long enough for an all-day outing or do you only want to be able to find your car again after a day of shoping at the mall? Be sure to check to see whether it is waterproof or not; if you are considering using it on your motorcycle, bike or boat as well as in your car, this is an important factor. Several automotive GPS units are excellent to be used for either land or marine use and can be handy for that weekend fisherman.

How to Grab Cheap Contract Mobile Phones

Today, no-one can underestimate the value of mobile phones in everyday-lifestyle. They have become all the more significant and serve as a good friend in times of need. No-matter where one is, he can always be in close contract with his near and dear ones with the help of his mobile phone. Now, coming to the UK mobile industry, it is undoubtedly one of the five main European mobile-markets and offers a plethora of mobile phone deals to people in the UK.

Contract mobile phones serve as a great tool of communication for people who love to make regular calls and send messages to their kith and kins. Here the interested person signs an agreement with a particular mobile service provider, say Orange and enjoys its services until the contract term comes to its end. This term generally ranges from 12 to 24 months. However, during this time-period, the user is not permitted to shift to any other service provider. Once the contract term comes to its end, the user is free to either remain with the same provider or to shift to any other operator. Here the user is only required to pay monthly phone bills and is showered upon a lot of freebies in the form of free texts, free calls, laptops, LCD TV, etc.

If a person says yes for contract deals, he wins a number of free gifts with contract phones which have been mentioned above. However, the list of free gifts do not stop here and keeps getting bigger as the user also stands a very good chance to win digital cameras, gaming consoles and automatic cashback offers. Contract deals act as a pain-killer for those who want to buy the latest high-end mobile phones and at the same time, do not want to burn their pockets. One can grab any latest mobile phone from all the leading brands with these deals. Be it Nokia, Samsung, Sony Ericsson, LG, Motorola, Blackberry or any other brand. These phone deals are available on all the leading service providers including O2, Orange, Vodafone, T-Mobile and Virgin.

Now, when it comes to buying cheap contract mobile phones in the UK, the presence of various online mobile shops are making the whole process all the more easier and simpler. These online shops allow their users to compare amongst the available phone deals and thus, let them pick-up the best of the best phone deals for themselves. Besides these online shopes, one can also visit any brick and mortar shop and pick up a deal which goes in perfect sync with his needs and budget. However, it is the online shopping that is gaining steam in the UK and also saves the users from unnecessary time and money wastages.

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.