Where to Find Car Loan Low Interest Finance

You may be surprised to learn how much you will be able to save when you take out car loan low interest finance. If you have been working hard to negotiate the best sale price on your new car, you certainly won’t want to negate the savings you make by paying dearly for finance. There are many companies around who can offer you a good deal on an auto loan and, when looking for car finance, you should aim to pay the lowest rate you can.

When looking for car loan low interest finance you should ensure that you consider all options available to you. A lot of people feel more comfortable sticking with their own financial institutions or the larger bank lenders as they seem to think they will be able to provide the best loans at the best rates. This is not always the case. These days there are a large number of non-bank lenders who provide car loan low interest finance.

Probably the best place to start looking for car loan low interest finance is on the internet. The majority of non-bank loan providers operate solely online as it is an easy way to set up their business without having to outlay a lot of capital. These companies also have minimal running costs, so they can afford to offer car loan low interest finance and still make a reasonable profit.

It is important, when searching for car loan low interest finance, that you realize that interest rates can vary considerably between lenders these days. Ensure that you take the time to shop around and get as many quotes as possible, as you may never know when you will come across the perfect auto loan at the lowest price around. It is only by approaching as many lenders as you can that you will have any success in finding car loan low interest finance.

Looking for car loan low interest rate financing is quick and easy when you do it online. Not only can you compare lenders at a time that is convenient for you, but you will only need to enter your details once in order to receive multiple quotes. The other great thing about getting car loan low interest finance online is that the application process is incredibly straight forward. Once you have found a great rate from a reliable lender, you will be able to apply for your loan online by completing a standard application form. Your application will be submitted to your lender immediately and so the processing of your application is a lot faster.

One thing that you will need to be cautious about when getting car loan low interest finance online is that you will need to ensure that the lender you go with is legitimate and reputable. Sometimes a company that offers ridiculously low rates may not be the most trustworthy, so always take the time to find out more about a lender before signing on the dotted line. You can check out the business ratings of various lenders online through the Better Business Bureau or through auto finance review sites.

Top 5 iPad Finance Apps for Business

The past two years have been a whirlwind in mobile computing and people are embracing these new devices, like the iPad, at breakneck speeds. Apple’s Fourth Quarter revenues jumped 21 percent from a year ago, including the sale of over 11 million iPads. It’s clear that the huge advances in mobile devices are not only changing how we live our personal lives but also how we do business. For business, especially small business, some of the biggest advantages are coming from the app world. If you want to make your business finances a breeze, check out these apps:

1. Square: Credit card transactions have never been easier. The developers of this free app will send you an actual credit card reader that plugs into your iPad. It’s secure, easy, mobile, and even has built in analytics to track sales, collect tips and tax, and send electronic receipts via email or text. There is no need to delay the payment process anymore. Oh, and they only charge a 2.75% transaction fee: no contracts, fees, or merchant accounts necessary.

2. Expensify has the traveling business world in an uproar. The features of this app are impressive at the least: sync banking information to track purchases in real time, digitize receipts to reduce the chance of losing them (just snap a picture and the app will discern and note the necessary info), customize and email reports for approval, and be reimbursed to your checking account. You’ll be your accountant’s best friend with the organization and ease provided by this app.

3. Time Master + Billing: With a 4 star rating in the app store, this app sets the bar for time and expense tracking. The overall best feature is flexibility to be customized to fit how you work – rounding minutes, multiple running timers, billing rates, expenses, client project/tasks, and so many more options. There are even additional modules available to include invoicing, QuickBooks export, and wireless sync between mobile devices.

4. Intuit GoPayment Credit Card Terminal: Similar to Square but a little bit more involved. It’s also a free app, but you have to jump through a few more hoops (AKA a 15 minute application process) to be approved to use this service. However, if you’re looking for a proven brand name, this may be for you.

5. QuickBooks Connect: This is a great supplement to your QuickBooks Online subscription (QuickBooks 2011 users you’ll have to get a paid subscription to use this app past 30 days). Manage customer information and balances; create invoices and sales receipts; convert estimates to invoices; email estimates, invoices, and sales receipts and more with this handy app.

Mobile computing can make all the difference in the efficiency of your business. Look for the bottlenecks in your financial administration and ask yourself, is there an app for that?

Kristi Daeda is an online marketing strategist that works with companies nationwide to define and execute powerful online marketing strategies. Read more about her thoughts on online marketing at her website [http://www.powerhousestrategy.com] or as featured on Mobile Apps Designers.

The Best Finance App

The best finance app, in my opinion, is Mint.com’s mobile app. Here is a list of its features and finance app alternatives if you prefer to use an app other than Mint.com.

Mint.com (Free)

I have been using mint for a long time now and believe it is the best finance app. Intuit bought this web site a while back so it is very secure, using bank level encryption.

Mint gives you a quick overview of your finances, which you can put on one of your main screens in the form of a widget. The widget will show your current cash amount and your credit debt. It will also show you the last time your information was updated, so you can be sure that you are looking at the most recent information.

Once you set up a monthly budget, you can access it with the app to make sure you are staying on track for the month. Mint is very good at knowing how to categorize your transactions for budgeting purposes and it will let you know if it does not know how to categorize a transaction.

The app automatically gives you alerts for various things, which include the availability of large deposits, what bills will are due in the next few days, etc.

You can get a very general picture of you investments with this app. By that, I mean if you simply want to know the balance of you accounts, you will be happy with this app. If you want to get more information about the performance of specific investments, you will need to go to the website.

To set up this app, I would suggest you log on to the main website to input all of you account information and set your budget. Once that is completed, you simply download the app, log in, and all your accounts are ready to go.

Adaptu Wallet (Currently Free)

Adaptu Wallet has many unique features like tracking loyal programs and creating spending forecasts. The app also allows you to store photos of insurance and business cards, which will decrease the clutter inside your wallet. The app is currently free, but the word on the street is they will start charging for usage sometime in 2012.

Pageonce (Free or $4.99 for Gold version)

Pageonce arguably has the best interface of all the finance apps. Your key account balances are placed in thumbnails that appear on the home screen. Contrary to popular belief, this app does provide PayPal support even though many claim it doesn’t. Balance updates are not as fast as Mint.com or Adaptu, some transactions take days to update. The Gold version has the useful ability to pay bills directly from the app, and this is the only finance app that can do this. The gold version also removes all the ads from your app.

Obama Debt Forgiveness – New Laws Could Save Consumers 50% to 60% on Current Debt Balances

Debt collectors usually experience great business when people are having a difficult time paying their bills, since they rely on making making through the never ending ring of the telephone. However, in the recession we are now in, one that could be the worst in decades, the unimaginable is going on: people that usually go after the money are now losing some themselves.

After credit card companies have aided in making the tremendous consumer debt what it is today, they are now coming to understand that many Americans are having an extremely difficult time paying their bills when due, while the economy gets worse.

This has made lenders and the collectors they employ frantic to get every cent they can, before the situation becomes even worse, and they will do this even if it means they have to lose money themselves. More and more, they are allowing payments to be stretched to unimaginable lengths, and they are taking dimes, or even pennies on the dollar, and considering it paid off.

These predatory lenders are not just being helpful. All they are really doing, is attempting to cover their own behinds. Credit card companies and banks are getting prepared for a huge amount of defaults on credit cards, and they are fighting with each other to get their money first. They also consider the fact that the faster people can get their debts paid off, the sooner they will be able to begin borrowing money again.

Although many banks are cutting credit lines, hiking up card fees, and just wary on lending in general, others are actually allowing their customers a little room to move. For example, Bank of America has said that they have waived late fees, dramatically lowered interest rate charges, and for some, they have even reduced loan balances for greater than 700,000 people that held their credit cards in 2008.

Since a greater number of people are getting more in debt, cards like Chase and American Express are doing the same thing for many of their customers. All of the major credit card lenders are telling their collection agents to allow for greater leeway in helping customers that are in dire straits.

People who usually make their money based on the total amount of money they recover, have said people that have had problems and have had to obtain payment extensions, have at least doubled over the past few months. There have also been situations where people who borrowed money, and were about to go over the edge, were given deals that allowed them to pay only 30 to 80% of the money they owed.

This situation is the opposite from a few years ago, when most of the time, consumers fought and lost against credit card companies. In the current situation, as debts continue to soar into the stratosphere, the lenders are the ones that are crying uncle.

$395 billion in bad loans, are what credit card lenders expect to have to write off in the proceeding five years, as reported by the Nilson Report, which is an industry newsletter. This is comparable to the approximate $275 billion that has accrued over the past five years in credit card debt. It is getting more difficult to collect debts such as these. Many times if this happened in the past, lots of consumers would use their home’s equity to have a way to pay off credit card loans, or they may have used retirement money, used a debt consolidation loan, or simply asked a friend or family member for help. With the state of the economy being what it is today, consumer have no recourse.

Since they are terrified that people that pay their bills on time may stop, the lenders do not want to say that they are accepting less than the total payment due. Whereas the gigantic loan modification programs that are going on, take thousands of mortgages at the same time, the way credit card customers are being helped is still on a case by case scenario.

Now, lots of debt collectors are letting many borrowers that are behind, take a year to pay off their debts, instead of the standard six months. There are also many lenders that are getting in touch with borrowers as soon as possible, so they do not have to write off the account. Even others are talking to customers they fear might soon get behind in their payments. Much like when credit card companies were trying to be the very first card people used, they are now in the situation where they are attempting to get paid before any others.

The banking industry is now beginning to lobby regulators, so that it is more beneficial to lenders to extend payment terms or forgive indebtedness, since it is projected that millions of additional consumers will be defaulting on their credit cards in the next few months. There was a credit card loan modification recently that was not accepted.

Through this rejected plan, lenders would have been able to forgive around 40% of the total owed them by borrowers over the next five years. The accounting rules that are in place now, say that lenders have to report the loss right after default, but the new plan would have let lenders wait until the part of the debt had been repaid to report it. By doing this, they would be able to write off less later down the road. Borrower would have also been able to defer any tax payments that were owed on the debt that had been forgiven.

In 2005, major changes passed to bankruptcy legislation, and the industry ferociously lobbied, and this seemed to have harmed card debt collections. The mean debt that was discharged in Chapter 7 bankruptcy has grown three times the amount since 2004, according to credit card industry data. In a Chapter 13 bankruptcy, secured lenders such as auto finance companies often shove out lenders that are not secured, like credit card companies, and this has went on and assisted in the card lender’s willingness to settle.

Although settling on a deal will avoid credit card cancellation or possible bankruptcy, it will also make the borrower’s credit score dip very low for as many as seven years, and this will make it extremely hard and costly to get any new loans. This will make the person’s average credit score drop 70 to 130 points, where the strongest borrower have one of 700 or greater.

Through the use of credit card debt settlement companies, debts can be combined into one single payment, and make credit card companies decrease the interest payments and other fees, and also many times the actual principal will be reduced as well. By doing this, the credit card holder can then take off as much 60% off the amount that they owe in debt.

Top 10 iPhone Apps for Personal Finance

There are many applications for the iPhone that give users the ability to make personal financing easier than ever. While solving one pain-in-the-neck issue, it creates another – which app to buy? Because of the popularity of these headache-reducing apps, there is an overwhelming amount of options available in the App Store. Deciphering which app is the best available is almost impossible. Add in the fact that so many aren’t free, and choosing the right one the first time around could save time and money. Before downloading anything, it’s important to know if the functionality of the app (money transferring, budget tracking, etc.) fits your needs. Provided is a list of ten apps including the price and primary function that can make tracking personal finances much easier.

Mint – There are tons of finance apps available that focus on budget tracking. Few are as popular as Mint, which allows users to manage multiple financial accounts from one simple user interface. With user-friendly features and no price tag, there is little wonder why this app has so many users.

Loan Shark – Dealing with loans is never a pleasant experience. The Loan Shark app helps ease some of the pain endured while handling loans without having to pay anything. It simplifies the process of calculating loans by a great deal and also has many features including a full amortization table, a one-tap extra payment option, and a “favorites” feature.

MoneyStrands – This app is another free option for tracking your budget. With features like alerts, analysis, security, and support, it is one to compare to Mint.

PageOnce – Planning long-term investments can be easy to put off. This app also assists in budgeting your current finances like MoneyStrands and Mint, but really excels in planning for the future. It gives you the ability to look at your 401k, IRA, and stocks all at the same time, while not costing you a cent.

Toshl – Toshl incorporates cloud computing into every day financing with this free app. The cloud feature allows users to automatically sync their mobile movements online. Additionally, there is a premium upgrade ($19.95/year) that allows users to export to Excel, PDF, or Google Docs among other features.

MoneyBook – MoneyBook is another addition to the long line of apps for budgeting. This one, however, comes at a price. Promoted as “Finance with Flair,” the app costs $2.99 and is loaded with features to make financing easier.

SplashMoney – At $4.99, what differentiates this from the free apps is its ability to connect wirelessly to most online bank accounts.

Square – The price is right for this free app that makes credit card purchases simpler than ever. By signing up, Square, Inc. will provide a credit card reader that can be attached directly to the iPhone. Once connected, users have the ability to swipe all major credit cards with only a 2.75% charge per swipe.

PayPal – Ebay-owned PayPal provides users a secure, simple way to send or receive money wirelessly.

General Banking – The bulk of major banks have available apps for free. These provide easy-access to any and all bank accounts in a secure fashion.

This is only a small example of the many, many apps that can help make financing easier. With the continuous release of new applications and updates to old ones, banking from your iPhone will continue to simplify; finding the app for doing so may not. This list is a great place to start looking.

For more information about iPhone application development, visit Magenic Technologies who have been providing innovative custom software development to meet unique business challenges for some of the most recognized companies and organizations in the nation.