Sunday, April 29, 2012

Mastering The Special Finance Bdc

Here is what's possible in a BDC using Internet leads as the example.

91 of those get set as a solid appointment.

85 of shows close and hopefully fund.

If you talk to Joe McCloskey, owner of McCloskey Motors Inc., a group of new and used car stores and a NAPA Service Center in Colorado Springs, Colo., who uses the Mastery Council BDC system exclusively, he'll show you closing numbers closer to 40 percent of appointments that show.

Don't think it's possible? I have several stores closing between 18-30 percent of their special-fi leads, and I'm sure they'd love to hear from you! So with that said here goes the rant

When it comes to the BDC/CDC most anyone that knows anything is smart enough to know that anyone who claims there's a turnkey, 12-step program to BDC excellence is just trying to get your wallet. Most of the BDC processes of today are a colossal disaster at best. A collective infection of Debbie The Time Life Operator

Syndrome TM meets the car biz.

Performance expectations are weak at best. Current industry benchmarks are setting the bar not just low, but flat-out under water. Pay plans, tracking systems, recruiting techniques, scripts, commonly heard objections, rebuttals, CRM philosophies, training programs, room design, employee work hours and all the way down to the telephone's being used, are in more dire need of a make-over than my first house.

There are no short cuts to this business and especially the BDC. You don't Luck Up on a good relationship just like you don't Luck Up on a winning BDC. The BDC's of today simply don't pencil, and for the ones that do, they're bleeding millions in lost revenue. Here are some critical things to consider regarding your BDC.

The room controls your checkbook TM. Any reception point of a dealer's inflow dictates traffic, and as a result, deal count.

The players on the phone have to be good enough to get someone to send them money via Western Union for no reason. They cannot be just good enough to set an appointment.

If what your saying sounds like the guy across town then it's time for an overhaul of the scripts.

Have your BDR's sign non-disclosure agreements, in case you stumble onto something great. We require all of our stores to do this as it helps us document the intent to protect copyrights. It works.

Know your indicators. What's low-contact, low-show or too-high of show rate mean? These are trend indicators and point to training and performance needs. Know what they are, and what they mean instinctively.

Remember, that it's not that things work or don't work, it's we work or don't work. It all comes down to people. BDC's are expensive, which potentially makes them a feast or famine venture so be sure to pick a rope and climb it, but make sure to pick the right rope first. Now have a great month!

Saturday, April 28, 2012

Functions And Benefits Of Hard Case Wallet- Report

Leather and fabric wallets were the most favorite wallets in the last decades. They were considered to be the best in all the aspects. But now in this current era the fashion is slowly changing towards hard case wallets. Hard case wallets are beneficial in many ways. These types of wallets are very spacious and are able to hold a lot of items inside it. They have separate compartments to hold identity cards, writing pads, cash, keys and coins, credit and debit cards etc. It has also got a special compartment for placing your pen.

These wallets have secure closing and thus prevent the entry of dust or other unwanted particles. It is very suitable to carry them too. Photos and id cards can be placed in transparent compartments which are easily visible when the wallet is opened. The special facility is that it can accommodate the checkbook as it is, without folding it or bending. These features make the Hard Case wallet a ideal choice.

They can select from a wide range of colors, designs, textures and shades, so that it suits perfectly to their dressing. They are also much more attractive, slim and fashionable than their counterparts. They can be used as a hand bag or as a purse too. The detachable strip enables the purse to be converted into a wallet. If you want to give your wallet added security, then the strip can be attached and then strip can be put around the neck or on the shoulder. This keeps the wallet safe from being snatched by anyone and always makes sure that they are with you. Men's wallets are classy looking to give them the formal look. They basically come in black, beige, brown and tan colors.

They have unique models and designs meant for fashionable women. It can be a perfect gift, if you are planning to gift someone on their birthday. Hard case wallets are available in many shapes, sizes and designs. They are made from harsh, lightweight materials and they offer greater strength and durability than the leather or fabric wallets.

Simple Guides for Fresh Graduates

Going to college is no easy feat. Great parties and long holidays aside, it is one of the hardest times young people have to go through. During these times, their finances are tested to the limits. They also get to take their first dip into the world of personal loans in the form of student loans. So when graduation comes, students can't help but feel finally relieved to be free from their studies.

But not for long though. As soon as the caps tossed up in the air, the reality of the real world sets in. As graduates, they are now on their own and the responsibilities are much harder than before. In the real world, they have to worry about finding a career, managing expenses, transport,living, savings, the list goes on and on. So here's a quick guide for graduates on how to get started in the real-world.


In finding a job, one must try to stick to his or her field. This is going to be worth it in the long run because it will allow them to move forward in their career. A job that pays higher but is unrelated is surely tempting. However, it can possibly cause dissatisfaction and career stagnation in the future.


With a full time job one must refrain from mindlessly spending all of their pay check. They must learn how to budget and save. If they have student loans, now is the best time to pay them off. Student loans are low rate interest loans so they should be easy to pay off slowly.

New Place

New employment, sometimes requires one to move cities. They can opt to rent with a friend or someone who is looking for the same deal. This will enable them to save on rent money. Another good way of saving is subletting.

In most cases, a landlord would require money-orders or checks as deposits. Therefore opening a bank account (if a person is new to the city) is important. Keeping money in the bank acts as security for any financially independent individual.

New Car

Taking a car loan is a crucial decision. Fresh graduates must be able to afford at least a 20% down payment. This way paying it off from salary becomes easier. Having good insurance for the vehicle is also a must. This should be researched efficiently to get the best insurance deal.

These are only a few but essential things to consider in the real world. However, expenses do not stop there. As ones income increases, so does their financial responsibilities such as taxes, mortgage, health care and so on. Budgeting, saving and careful research is the key. When all three are managed well, they'll support themselves just fine in the world.

Friday, April 27, 2012

The Challenges Of Life Bring Out The Best In Young People

A story is told where a man comes across a butterfly struggling to get out of its chrysalis. Feeling sorry for the creature, the man decides to help. He cuts the chrysalis and sure enough the butterfly comes out easily. Surprisingly enough the butterfly us unable to fly; it is the struggle to leave the chrysalis that develops strength in the butterfly which would enable it to fly! Similarly, it is the challenges of life that brings out the best in young people and enables them to fly. This seems to be how life works.

When we look at successful people everywhere, we see that the most successful of them are people who have had to struggle. Many of them would have encountered many challenges before succeeding. One well known textile merchant, who now owns a chain of stores in Singapore and Malaysia, used to carry clothes items on his back and sell them from door to door when he was a young man. Another successful man, Dennis Wee the highest achiever in real estate sales in Singapore tells us in his book that he had to meet an overcome many challenges before arriving at where he is now.

Meeting challenges make the young person into a tough one when he overcomes those challenges that are presented to him. The challenges are often of the nature that he had never been prepared for. The sudden loss of his father when a young man was only 20, forced him to mature faster than an average 20 year old. He was forced to bring up a family. Bitter though he was that he had to sacrifice his youth, the young man took up the challenges and overcame them. Today his brothers and sisters are leading successful lives. All through his life, the man met many challenges, but because of the strength he had gathered when he was a young man, he overcame the challenges as if they were chaff.

Many times challenges do not appear to us before we keep away from them. It is for this purpose that there are so many adventure activities around us. It is fitting that young people part in activities that provide them with challenges, like rock climbing, sky diving, volunteer work and so on. Meeting and overcoming these challenges will make them tough and ready to face life when they are older. Just mugging and passing examinations will not prepare one for life. We must meet and overcome these challenges; for that is what life is all about. It is the young people of today who become the leaders of tomorrow.

For countries to continue too be successful, it is important that the young people learn to meet challenges and successfully overcome them. Though, it is human nature to cry out in despair at all the terrible things that happen to us, but if we look around we see that the most successful people in the world are those who had struggles to be successful, often standing against all odds. There is a lesson in the story of every successful man or woman alike!

$900 Shoes Sold At Garage Sale For $2 By Mistake

A Rotorua couple who held a garage sale at the weekend are pleading to a buyer to come forward who accidentally bought a pair of shoes valued at 0 for .

The shoes, 0 Asics brand white and blue runners had black orthotics inside worth 0.

Greg and Lyn Aston held a deceased estate garage sale in their Brook Pl garage on Saturday where someone accidently bought the shoes.

Mrs Aston said her 19-year-old son Scott had been out running as he was training for the police force when he returned during the garage sale and left his shoes on the front door.

However, as things got busy one buyer asked Mr Aston how much the shoes were and he told them to make an offer, buying the shoes for , she said.
"It was so busy. There were heaps of people everywhere," she said.

The shoes weren't discovered missing until later in the evening when their son was leaving for work.

"I felt sick," she said. "We were just inundated with people buying things."
They don't blame the buyer as it was just a mistake, but desperately need the orthotics back.

Mrs Aston said her son, who is flat-footed, had worn orthotics since he was a child and without them experienced severe back pain.

"We aren't worried about the shoes and we could replace the orthotics but that could cost about 0," she said. If you are the person who bought the shoes, the Aston family can be reached by calling (07) 347 8516 or emailing

Thursday, April 26, 2012

Origin and Meaning of Pest and Pest Control

In modern parlance, the word pest, as in pest control has come to refer to a myriad of house invading creatures including mice, roaches, termites, bedbugs, fleas and other insects, wild birds, wild animals, spiders and snakes. But when we go back in time, we find the word had a different twist. It didn't refer to the animals we call pests today, but to the deadly filth and disease which they carry. Thus pest control means ridding the home of the noisome critters which carry deadly diseases.

The proof for the assertion that "pest" had a different emphasis in ancient history can be found in the annals of online etymology reports. Etymon , the most reliable online etymological dictionary notes that pest originally appeared in English in the midst of imprecations, such as "a pest (or a plague) upon you." We can trace the Latin roots of the word via the Middle French word "peste". Both "peste" and its Latin antecedent "pestis" meant deadly contagious disease.

Etymological derivations of other pest related words indicate that "pestis" also meant "plague." Pestilence, derived from the 13th century Old French word pestilence, and from the Latin pestilential means plague, noun of action from pestilentem (nom. pestilens). In this derivation, Entymon notes that pestilens derives from pestis, which can also mean plague.

Now a mouse is not a deadly contagious disease. However, a mouse carries Leptospirosis, a dangerous microbe, and it can also carry dangerous or even deadly viruses. Likewise, a pigeon, is a bothersome creature, especially when it uses our porches and sidewalks as a bathroom, but it isn't contagious. However, pigeons can carry and transmit histoplasmosis, and other dangerous or deadly respiratory conditions. The plague, the deadly scourge of the Middle Ages, was transmitted by rats and fleas. While rats and fleas both bite, they are not, in and of themselves causes of contagious diseases.| Both rats and fleas are noxious animals, which in and of themselves are not contagious. }However, they do transmit the once deadly plague. Bats, another frightful household pest are not in and of themselves deadly. However, they carry rabies. Not only their bite, but in some cases their well aimed spit can transmit this incurable virally transmitted disease

Having looked at the historical roots of the word pest, and its modern usages, we can create a clearer picture of the changes in the word's applications that took place over time. We see, simply that the term pest in pest control, for example, has been reassigned from microbes and viruses which cause pestilence to visible animals which spread the microbial and viral causes of plagues and disease. Another way to express this, however, would be to say that by controlling the animals that spread pestilence we are controlling pests, (viruses and microbes which cause plague). Like many other modern words, however, the original associations of pest tend to get lost in modern parlance.

It must be noted that while the phrase pest control is approximately 200 years old, it has come to have new connotations. Classically, for example pest control and mice control are not synonymous. It might be proper to say that mice removal is a form of pest control because we are removing disease carrying rodents from our home. However, we could control mice by putting them in a cage, as is done in a laboratory, and this might not remove the pests they carry from our environment, which is our true intent. Termites do not carry disease, and yet they are lumped in the category of pests, for the most part because they are noxious and dangerous critters who threaten the well being of our homes. So this usage suggests that the words pests, like many other words, has taken on an enlarged meaning.

Likewise, vaccination, isolation and testing might classically be considered forms of pest control, but in general the profession of pest control has come to refer to the removal of small creatures between the size of mites to large animals, that carry filth and disease into the home.

Thanks to A# 1 Pest control for sponsoring this article. A # 1 is a %LINK1% company that provides %LINK2% to the Baltimore Metro area.

Wednesday, April 25, 2012

Eight Things to Consider Before Getting a Car Loan in India

Buying car is certainly a great feeling for many who own it for the first time. But it can be a daunting task for a layman in the industry, especially when you opt for a car loan in India. However, there are several things you need to consider before deciding on getting a car loan. Because, proper planning is the key to save money in any kind of investment. Following are the few steps you need to consider before buying a car loan in India.

Check Your Credit History If want to get a car loan, lender would first be interested in knowing that you can pay the EMI and you are by no means a delinquent in debt. So make sure you review your credit history and carry no debts before getting the loan.

Eligibility Eligibility check is very important, as not every bank will offer you loan if you are below 18 or so. And further you should also be ready with proper proofs and identities. However, below 18 can apply for car loan in the name of their father and then finance it.

Market Research Once you are clear on credit history and eligibility do a thorough market research about the car you want to purchase. Because proper research will give you more options that are suitable for your budget.
Rate of Interest Obviously this is the first thing you need to consider as it is the most crucial factor. Auto loan in India can approximately lie between 8% to 16% of interest, so you need study carefully which bank can offer you the best interest rate.

Taxes and Down Payment When buying a car loan in India, the bank or the finance firm will ask you to pay a particular percentage of money as down payment (for example 10%). Lot of finance companies that may not ask for down payment can turn out expensive, so making some amount as down payment would save your money taxes as well.

Third Person Guarantee Any finance company or bank will ask for third person guarantee, so you will have to be ready with a friend or relative who can assume liability in case you default the payment. Some bank may avoid this clause if you carry good credit history.

Processing and other Fee Some banks in India will not charge you processing fee for the loan, but some finance firm could charge you approximately 0.3% to 1.1%. Also be clear on how much will the bank charge penalty in case of missed payment.

Negotiation is Possible Most people are not aware that negotiation in the loan
is possible. It's a myth to think that loans carry fixed rate of interest, you can certainly bargain with the bank and get the best ROI for your car loan.

Buying a car is a dream for most people and hence need careful consideration to it. Check out various info available about particular bank that you are approaching for car loan in India. Calculation of EMI, down payment and taxes has to be done personally by you, instead of relying on the lender. So go step-by-step before you close the deal!

Monday, April 23, 2012

Getting Home Loans With Bad Credit: Pointers To Aid In Getting Approved

There is no doubt that getting the green light on a home loan with bad credit is not the simplest of tasks, but by no means is it an impossibility. Thankfully, there are many mortgage packages available to those with low credit scores that are competitive and affordable, ensuring they can buy a new home too.

It might seem strange that this is possible, but since credit scores are not the most influential part of any application, securing mortgage loan approval is not necessarily ruined by a very low score. There are several other elements to an application that are more influential.

Of course, getting the home loan depends on meeting set criteria, but it can be helped along greatly when some preparatory measures have been taken in advance.

Know Your Credit History

The first measure to take is to learn precisely your credit history. A credit score will affect the interest rate that is charged on any loan, so if the score is very low, this can make getting a home loan with bad credit very expensive. Knowing how the score came to be, can point to the best route to improvement.

It is worth keeping in mind that lenders need to lend to turn a profit, so there is a willingness there to grant mortgage loan approvals. Of course, the principal criteria to meet is to prove a long-term ability to repay the mortgage. And in this regard, improving credit scores can have a positive impact.

What applicant must do before applying for a home loan is buy their credit report from one of the three agencies - Experian, TransUnion and Equifax - and check the score and the reasons for it. It is always possible that errors have been made so request a review if necessary. Repaying some existing loans will also result in an improved score.

Where Are The Best Deals?

When applying for home loans with bad credit, it is only logical that applicants seek the best deals they can possibly find. With online lenders, this job is made easier with comparison sites allowing millions of offers to be filtered through in seconds. Traditional mortgage providers are almost always more expensive.

What is more, online lenders are much more accommodating to bad credit borrowers, and are experts in that niche. They are also more willing to ignore credit scores, so the chances of securing mortgage loan approval, even with a very bad credit history, is much easier.

Of course, while there are clear advantages, there is also a need to be wary when dealing with online lenders. It is important to check out the reputation of any prospective lender through either the Better Business Bureau or the Verify1st websites before selecting a home loan and committing to it.

Consider the Down Payment

Sometimes, the down payment is actually the swing factor when seeking a home loan with bad credit. The reason is that it can significantly reduce the size of the mortgage requires.

Basically, if a house is worth 0,000 and the typical down payment rate of 5% of the purchase price is paid, then a mortgage of 0,000 is needed. But if a 20% down payment were made, 0,000 is needed. It does not require a genius to realize mortgage loan approval is easier to get on 0,000 than 0,000.

Also, the fact that an applicant can save as much as ,000 (20% of the purchase price), will greatly impress the lenders. So, getting the home loan becomes almost assured.

Saturday, April 21, 2012

High Risk ACH Offshore Merchant Account Check Payment Processing Services : Merchant ICL Solution

About Us:
CcNet provides our clients with Adult, Travel and High Risk Merchants Accounts, through our state-of-the-art processing solutions and our partnerships with several financial institutions.
As a CcNet Client, you will receive:
Internet Merchant Account that will allow you to accept all Major Domestic and international Credit and Debit Cards.
Accept payments from the buyer's checking account by ACH; either over the phone, through the mail or on Internet.
Provide subscription, One-time and Recurring billing solutions
Full Merchant Sales Tracking & Administrative Tools
Timely and Reliable Payments from the Bank
Advanced Antifraud Protection
Multicurrency Processing - Accept funds in 18 different currencies.
Pure ACH High Risk setup for US merchants has below features.
- Low Rates
- No Reserve or security required
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- NO Chargeback's
- Fast settlement times (0-1 days)
- Access to a larger online customer base
- Use your existing bank relationship
- Safe, secure and easy to use
We accept all merchants who need a Merchant Services account for Mail Order / Telephone Order, Direct Marketing, eCommerce, Website subscriptions and memberships, allowing users to access password-protected, Web-based content business requirements. Please note that CcNet does NOT restrict the kind or type of products and or services a client is looking to offer. Both virtual and physical products are acceptable. Unlike other payment companies who restrict Merchants who sell tangible products or any type of service which requires the delivery of an item, either via email or postal mail.

CcNet is the global brand of CardCommerce Inc... And prides itself at being a globally recognized merchant account service provider.

At CcNet we understand the importance of facilitating Internet merchants, whether high risk or offshore, with merchant accounts that offer the most reliable and secure transaction features and credit card processing. Internet merchants worldwide turn to CardCommerce for real time and cost-effective payment solutions.

We offer merchant accounts with a reliable payment gateway for real time and batch processing along with a 24/7 customer and technical support service, SSL processing and 3-D Secure available. Internet merchants from diverse industries are benefiting from our services including high risk merchants like adult entertainment, online pharmacies, online casinos, sportsbooks, bingo, betting exchanges, pre-paid cards, e-wallets, travel, e-wallet, replica products, and more.

We recommend the most effective payment processing solutions for our Internet merchants largely depending on the online services and products they sell. Internet merchants are assisted through the application process by our team of Internet account managers through consultation and are provided the best Internet merchant account to fit their business' needs.
CcNet services more than 5000 businesses in over 16 countries around the world. High risk and low risk merchants from diverse markets worldwide are profiting from our services and now with our Affiliate Program in place, affiliates have become capable of earning a Lifetime Membership along with promoting their businesses.

CardCommerce.Net is an organization of people dedicated to helping businesses grow their online presence through scalable, affordable and flexible e-commerce solutions regardless of their line of business and geographical base.
High Risk Check Processing
Cutting edge electronic check acceptance process that is revolutionizing payment processing for both High and Low Risk Merchants!
This Patent Pending, check acceptance service is for merchants who desire faster settlement, reduced returns, the near elimination of chargeback, and complete control of their settlement account. Whether you accept check payments over the phone, through the web, or via secure FTP batch upload process you'll enjoy superior payment processing coupled with unmatched reporting with our new revolutionary payment process.
Why should merchants use this service and not ACH?
With ACH you normally have a 3rd party processor in the middle which holds your funds in THEIR settlement account. Typically these funds are deposited into your account 5 business days later. With our service there is no settlement account held at a 3rd party. All payments are settled the next day directly into a bank account YOU own! Also, depending on what type of industry you're in, ACH processors typically ask for cash reserves to guarantee your account. However, once you terminate their service you might not see that reserve for up to two years, if ever. Additionally, if your ACH processor goes out of business not only do you lose your funds in your reserve account, but the funds in the settlement account, that you DO NOT own, are also lost.
Finally, if you have processed ACH transactions in the past and have drawn the ire of NACHA because of excessive returns or chargeback you'll never have to worry about that again. With our service NACHA regulations in regards to returns or chargeback do not apply so you don't have to worry about pointless regulations put in place to limit the amount of business you can do.
Who Should Use This Service?
Merchants who need quicker funding when compared to ACH
Merchants that are not interested in funding a reserve account
Merchants in high risk industries
Merchants that have had issues with NACHA NACHA regulations in regards to returns and chargebacks don't apply.
Any merchant currently printing drafts
Merchants that want to reduce their overall returns
Merchants that have chargeback issues and want to virtually eliminate them.
Service Benefits
No settlement account You own the account
Checks are electronically deposited into your account daily
24/7 access to Online Reporting and Account Management
Virtually eliminate chargebacks
Submit via batch, API or Virtual Terminal
Proprietary check verification pre-submission scrubs
Download/import real-time reports (Transactions and returns)
No Monthly Fees
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No reserve needed on most accounts
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We understand the importance of your business and your success is our success!
CcNet provides high risk merchant accounts for credit card processing. We will provide a high risk merchant account in the USA or an offshore merchant account.
Obtain a credit card merchant account from GFS for you high risk merchant account needs.
CcNet will review your business model, business procedures, processing history and assist you in the process of changing or modifying your business model, procedures, etc. so that your merchant account will not be classified as a high risk merchant account. We have experts who have been in the industry for over 20 years and they work with the banks and processors in the risk and underwriting process. Even if you have had chargeback problems in the past, we can still assist you.
Contact us at :

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Suresh Sarode SEO