eBay and Paypal

The benefits of & 39; use PayPal for payment of auction

There many respects, you can use your PayPal account auction house eBay. It is very easy and offers much protection, if you look at l & 39, with the sellers. You think, May wrongly that the only seller, Paypal are the logo Paypal. This & 39; n is not necessarily the case. You need for each auction, whether Paypal is not accepted.

There more & 39, a means to pay a seller with Paypal.

If for a PayPal account, you can d & 39; rest to pay for your items. You can also like Neteller, where the funds come directly from your account cheques.

If a credit or debit card with your PayPal account, you can also pay in this way. All payment choose from your PayPal account, the funds in the account paypal sellers.

Opening a Paypal account is easy.

You simply fill out the information, including information about your bank account. You can then check what the two small deposits, Paypal in your bank account. During this time you can use a credit card in your PayPal account if you like. You can even several cheques, d & 39; savings accounts, credit cards and debit cards. Opening times d & 39, a Paypal account is free, and there is very little effort into account when you send or receive payments.

While eBay has a process of litigation, Paypal is also a dispute.

Although Paypal is the property of eBay, PayPal dispute process is much easier and much faster than d & 39; eBay. If a seller does not provide, or the question comes in less good condition, advertising or not, you can for a fee through Paypal, and you have more opportunities for your money.
eBay
As a seller, the absence & 39; accept Paypal as a payment method violated the success of your auctions.

Adding PayPal logo in your list of auction d & 39 d & 39; more offers than you would without it. The majority of buyers on eBay have the opportunity, as Paypal. Paypal is the fastest way to pay for mailings. & 39, N You are not obliged to d & 39; accept PayPal payments Paypal members not verified. It is sufficient to do this in your auction information about the payment.

Whether you are a buyer or a seller, the benefits & 39, and PayPal use are very simple.

You automatically receive your payment. They have different ways of payment via PayPal. PayPal & 39; s not give you important information about the person. It is safe and security policy.

You can simply & 39; money in your account or checks with Paypal, which is easy l & 39; access to your funds for all types of online shops. Paypal also offers a debit card to members that can be used, quite MasterCard debit cards are used as the ATM or POS machines.

For even greater comfort, with Paypal reserves l & 39; history all your Paypal account. This allows you to go back and see what the payments to whom and what the payments were received, and if the & 39; money was transferred from your bank account and your PayPal account.

Paypal is a viable option that you can use to your eBay auctions even more success. In every company, offer your customers more & 39; payment method is crucial. With PayPal, your customers have the option to pay with PayPal, its balance, with Neteller, or with their credit or debit card.

Again, it is & 39 d & 39, one of the fastest systems to send and receive the & 39; money.



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General Motors & Ford - It s The Cars Stupid part II

We ve already stated our belief that that 2007 will see Americans buying several hundred thousand less cars than they will purchase in 2006. We are looking for 16.8 million vehicle sales this year. Let s get into the numbers, and see what the implications are. When you, or I buy a car for our personal use, we pay on average about $25,000 per car. The car rental companies in the United States purchase more cars than any other group. They buy American cars, and pay an average of $15,000 per car. We don t see any big profits from this market segment.

Let s look at the dealerships, and sort out how the Japanese do against the Americans. A Chrysler dealer last year on average sold about 225 cars. If you were a Ford dealer, you averaged almost 700 cars per dealer. GM s Chevrolet dealerships came in under 650 cars per dealer. Would you be surprised to learn that Toyota sold more than 1600 cars per dealership last year?

Now you know why American car dealers are complaining and going out of business. In the last year GM lost 200 plus dealers while Ford lost 40, and Chrysler lost more than 110. This is happening on our home turf, folks. This is not the Japanese and the Americans slugging it out on European soil for control of European markets. This is the American consumer choosing to buy Japanese over American made products on American soil. People are voting with their feet.

Here s the next big question. If American car dealers are closing their doors at this rate, what kind of shape can the rest of them be in? Can the owners be putting big bucks into their dealerships while their friend s dealerships are folding up? We think not. Will the friendly banker be willing to finance their car inventories when the bank sees other domestic dealers closing their doors? We don t see it. This means that American car dealers can only finance through the car manufacturer s financing arm, and that s not good when the dealer has only one choice. We estimate that half of Ford s dealers are not making a penny. We think for General Motors, it could be as high as 25% are unprofitable. What s the customer experience going to be like in a dealer that s losing money on every car he sells? Is anybody listening in Detroit?

Every time GM loses a point of market share, they have to implement plans to dismiss 20,000 people from their jobs. We see the necessity for GM to cut another 60,000 jobs that they haven t announced to establish break-even 12 to 18 months from today. With all the talk about GM in the news in the last 60 days, has anybody at GM or Ford uttered a word about their real problem, QUALITY? The American consumer does not want to buy American made cars in any quantity that would allow Detroit to make money.

We believe that GM will be unprofitable until 2008 at a minimum, and 08 can only be profitable if they maintain market share, and we see continued declining market share. The Chairman has verbalized nothing that deals with the issue of quality, and upgrading the consumer s consciousness to consider GM cars when it comes to quality. Even Mercedes marvels at Japan s ability to produce the quality they do for the dollar it costs. Mercedes doesn t understand how Japan does it at their price points.

We took a close look at Ford (where Quality is number 1 , and Ford has a better idea ), and found their restructuring plan isn t substantial enough to get the job done. They call it the Way Forward Plan . We call it the Lost in the Wind plan. They are taking total charges of $3.4 billion in 06. They expect to be profitable in 08, why, we ask? What s going to change between now and 08? They believe they can save almost $6 billion in costs. We don t see it, and if they were able to do it, don t you think Japan would jump on the bandwagon and do whatever they have to do to drag their already low costs lower.

Did you know that when GM, or Ford produce an interesting car, Japan buys the car immediately, rips it apart, part by part in Japan, and than takes any interesting technology and applies it to their cars almost immediately. Japan can put out a car in one-third the time it takes GM, or Ford to design a car by committee. South Korea can go from design to showroom in even a shorter time span.

Ford s restructuring efforts in our opinion are clearly overstating the bottom-line results. We see a headwind coming, where Ford thinks it s got a tailwind at its back. It s going to get tougher for Ford, and this is being overlooked because GM and its troubles are getting the headlines. With the employees departing from both companies how do you think the guy down on the assembly line is feeling? Do you think he s a loyal, lets get it done type of individual? Do you think he s wondering if he s going to be there 2 or 3 years down the road? Will his pension benefits be safe? Will he ever get a pension? Will he even have a future at either of these two companies that were once the unquestioned leaders of American managerial know how?

Henry Ford wrote the book on manufacturing, and GM s Alfred P. Sloan wrote the book on building a company that is still studied at Harvard Business School, and MIT today. Somehow in the last 3 decades, the bean counters in Detroit forgot how to make cars. They literally forgot what business they were in. They instead thought only about the money. Labor became a cog in the wheel, not an integral meaningful partner in the process. To turn this American industry around will involve a different level of intelligence than the intelligence (used advisedly) that got them into trouble in the first place. Einstein was right.

Goodbye and good luck

Richard C. Stoyeck
http://www.stocksatbottom.com



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Remortgage Tips

Remortgage Tips

Most of us have all experienced hard times at some stage in our lives and received letters from banks telling us that they are going to charge us 27 for bouncing a cheque or non payment of a direct debit or standing order. Would you like to hit back? Would you like some remortgage tips?

Now is the time to hit back and take some of that money back from them by taking advantage of the discounts that they have to offer to existing and new borrowers. There are massive savings to be had by remortgaging and the bigger your mortgage, the more the potential savings. So, if there is massive saving to be had, why do people not remortgage more often?

Surveys conducted by lenders have identified that some people are just not aware, whilst others have said that they just could not be bothered. Some people have stated that the mortgage market is just too complicated. Bet you would like some remortgage tips?

Well, the range of UK mortgages has increased dramatically over the past few years and although this increase in mortgage types has added complexity, it has also introduced fierce competition, which has in turn resulted in the availability of some very attractive remortgage products for the customer. With over 10,000 mortgage products to choose from, how do we ensure that we get the best remortgages and cheapest remortgage rates?

Employing the services of a whole of market UK mortgage broker can pay dividends here as they have sophisticated computer software to narrow down the mortgage products and arrange the cheapest and best remortgages.

Consider this as a normal mathematical comparison. A 2% saving on a 100,000 mortgage works out at 2,000 per year and assuming that this saving can be made every year by moving the mortgage to another lender, it equates to an astronomical 50,000 saving over the normal mortgage term of 25 years. That equates to 40 per week, every week. It just doesn t make sense to be putting that sort of money into a lenders pockets when they already make billions of s net profit per year.

If you are having trouble paying your current mortgage, loan or credit cards or you think that you are not receiving the best mortgage deal you possibly can, then perhaps it is time to think about finding the best remortgages. However, many people are unsure about the relative benefits and problems of a remortgage. Here are some useful remortgage tips to help you decide if remortgaging is right for you:

What is a remortgage?

A remortgage is when you replace your existing mortgage loan with a new one from either the same lender or a new lender. This is usually done to reduce monthly payments or to release equity. Remortgaging is usually carried out through a remortgage broker to find the best rates.

Remortgaging for lower payments

One of the most common reasons to re-mortgage is to get lower monthly payments than you do now. If you are struggling to pay off your monthly payments, then you need to look for a better deal, as soon as you can. If you can find one, then ask your current mortgage lender if they can match this, if they would prefer to keep you as a customer at a lower rate than lose you altogether. If they cannot match the rate, then you should look at remortgaging.

Remortgaging to release equity

Another reason why people remortgage is to get hold of some extra money by releasing equity they may have built up in their property. This means that you borrow more than your current mortgage debt to release the money you have already paid into the property and this extra money may be used for debt consolidation or home improvements. This is especially useful if your property has gone up in price or if you have paid off a large percentage of your mortgage. It is like getting out a loan, but the rates are low as they are part of the remortgage.

Some Pitfalls of Remortgages

One thing that you should look at before remortgaging is whether or not it is really right for you. There maybe a number of costs involved, such as legal fees and penalties for changing mortgages. These fees could add up and might be more than you can afford. Also, if you borrow more money or you get lower monthly payments, it could mean that you will be paying the money back for a longer period of time.

Although a remortgage may seem helpful now, you could end up paying more long-term and if you are still paying the money back when you retired you might be left unable to make the payments without pension provisions.

Remortgaging can help you if you are struggling with payments or you need to free up some money. However, you should think carefully about whether or not remortgaging will be beneficial to you in the long-term but if you have a problem remortgage it could be the ideal situation. 100% adverse credit remortgages, self-employed and self-certification remortgages are all available in the UK mortgage market.

Some More Remortgage Tips

1) If the mortgage is small, look at the fees charged by the lender, as they will impact on the loan.

2) If the mortgage is large, it will be interest rate sensitive, not fee sensitive.

3) Use a whole of market mortgage broker.

4) Review the mortgage before the end of each deal.

5) On a repayment mortgage, have a monthly rest interest rate.



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Drift of Being Thrifty - Debt Control

Consolidation is nothing but the process of negotiating the rate of interest that will ultimately determine by how much the borrower s payments will be reduced and what his overall settlement will look like. So any money above and beyond your normal payment is applied solely towards the principle of the loan.
Having trouble paying your bills? Getting dunning notices from creditors? Are your accounts being turned over to debt collectors? Are you worried about losing your home or your car? You?re not alone. Many people face a financial crisis some time in their lives. Whether the crisis is caused by personal or family illness, the loss of a job, or overspending, it can seem overwhelming.
For many Americans debt is an overwhelming problem, a stressor that can quickly take hold of one?s life. When there are bills attached to house, boat, automobiles, college tuition, and daycare, it?s not hard to imagine that many folks can quickly be swept under the current of spending which can unexpectedly whirl into deep debt. Lifestyle Changes You Need for a Debt-Free Life Too many temptations in this world lead to being piled with insurmountable debts. Advertisements tell us that with credit cards, nothing s impossible. Salespeople and credit businessmen tell us that it won t hurt to have a debt here and some debts there. Little do we know that debt could actually lead to death! It s POSSIBLE to DIE from DEBTS.
How, you may ask. Ever heard of suicides committed just because one has too much debt that that person could not think of any other solution but to get out of his debt-laden world through killing himself? No? You re not reading enough news, I m telling you. So, how do you avoid being victimized by debts? Learn a thing or two from the following bits of advice on how to manage a debt-free life: Get the Drift of Being Thrifty One major way to avoid having debts is to have enough money for your needs and even for your wants! How? Aside from landing a high-paying job, being a savings-savvy person at the same time is the solution. But what if you don t have a quite well-paying job? Knowing how to save up will still help you in your goal. Here are some simple tips: Reduce debts today for a better life!
Budgeting well whatever amount of money lands in your wallet every payday should be one of the major goals of a debt-free life advocate. You have to evaluate yourself to know what type of budgeting will suit your tolerance and lifestyle. Do you need a daily budget scheme? How about a weekly or a monthly one? You cashflow will be better monitored if you list all of the your expenditures and actual expenses.
Brown bagging should become a common practice if you are to make yourself debt-free soon. Now if you haven t fallen for the culprit yet and you are just so not into the food you prepare yourself, consider compromising. Instead of bringing a lunch box of some sort, learn to drink your office coffee so that you have enough moolah for your lunch.
If you use credit cards, owe money on a personal loan, or are paying on a home mortgage, you are a "debtor." If you fall behind in repaying your creditors, or an error is made on your accounts, you may be contacted by a "debt collector."
If you have debt and that debt includes two or more monthly payments to lenders at high interest rates, you do not need to be held hostage by burdensome repayment plans. Combine what you owe with a debt consolidation loan and watch your monthly payments and overall debt drop dramatically.
Individuals or families in debt run the risk of loosing their home, vehicles, or other assets. Many of those who do not own a home or other obtainable assets are likely to never be able to own one.
If you do not have a savings, account open one. Make sure that the account does not have fees or interest rates attached. If you have difficulty-managing money you may want to open a Paypal account and apply for a debit card online. This account not only protects you against identity theft, it also makes it difficult for you to get money right away. Put your debit card where you can t find but in a safe place.
You should know that in either situation, the Fair Debt Collection Practices Act requires that debt collectors treat you fairly and prohibits certain methods of debt collection. Of course, the law does not erase any legitimate debt you owe.
There are a number of different types of debt consolidation loans: home equity loan, line of credit, or second mortgage. Coupon clipping is a good move, too. This will not only make you help save but can earn you some friends too that may support you in your debt-free life campaign. How? Look for other coupon-clippers and trade. Do you know how to save on phone services? If you need to make long distance calls, don t be sweet-talked by the smooth operator. Asking for help from the operator means having to spend more. If you use phone cards, check the expiration date and know if there are any hidden charges.
Club memberships that are rarely used should be dumped, too. What could be more stupid that wasting money on things that don t get used, right? Speaking of rarely used things, how about stopping credit card use all at once? Learn to afford not swiping that evil card if you want a debt-free life. It s one of the biggest temptations in this world! Distinguish the Evil Forms of Debt There are two kinds of debt. The good one is that kind of debt with which the item that caused your debt could be sold and the proceeds could help you repay the debt. The bad one is a loan that has a diminishing value.
An example of a good debt is a home loan that is if such home loan, particularly a home equity loan will add value to your home but if you will acquire such loan for unnecessary items, you re doomed. An example of a bad debt is clothes, unless you re a celebrity of course, wherein you can auction off your clothes when you get tired of them. School loans aren t advisable because it will most likely be hard for someone to pay off his or her debt even after landing a good job since there are various expenses that will come when working life starts. So, how do you stay debt-free or at least be able to manage well your debts through the abovementioned information? Avoid bad debts! None of this would be possible without taking the first step. Start tracking your spending habits today and tailor your moves to your debt-free life goals. Self-discipline will help you breeze through it all.
However you got into debt - unexpected financial difficulties, illness, loss of providing member of the family or overspending - you can turn to several organizations and charities for advice. Get the best interest rate you can if you opt for debt consolidation. This interest rate is almost as important as the one on your mortgage, but much harder to change after you ve signed on the dotted line.
In addition, the major credit card companies, at the urging of the Federal government, have recently doubled their minimum monthly payment to about 4% of the outstanding balance. Many people are looking to consolidate debt online because they re short on time and money. However, it s important to proceed with caution. Take the time to explore what s available and decide upon the best course of action for you.
Learn more ways to reduce debts today.



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