Acer Computer Financing

In today’s economy, it can be tough getting the things you need to get by in the world, especially if you have bad credit. With bad credit, you likely do not have a credit card, which means you cannot make major financial purchases, like purchasing a computer or a TV. While a television is not necessary in today’s lifestyle, having a computer almost certainly is, as we move further and further into this digital age. However, bad credit should not discourage you from getting the things you need, which is why Acer Financing for a new desktop or laptop computer is available.

Before deciding to use one of these financing services, you should understand how they work. While they do offer you the ability to get computers with bad credit, there are a few things you will need to qualify for before you are approved. While your credit will not be checked, you will need to prove that you have held down a job and have had a checking account for a certain amount of years. This can be anywhere from six months to a year, depending on just how bad your credit really is.

You will need to have a valid checking account, as your payments will be subtracted from it automatically from your checking account. This is so the company that has offered you the financing knows they will get their payment, as there is no way to stop an automatic payment unless you do not have the money in your account to cover it. Ensuring you have the money in your account is your responsibility; as if the payment comes back as defaulted on any payment, you could be responsible for paying off the entire balance of your loan immediately, or face having to return the computer.

When paying back your bad credit loan, you should strive to pay it back so that at least two payments a month are being made. This will help you avoid high interest charges, which are a part of every bad credit loan. If you cannot make a full two payments in one month, you should strive to make a payment and a half, as cutting down on interest will save you money in the long run. You should also keep in mind that even though it is a bad credit loan, having the loan paid off in a timely manner will help your credit rather than harm it for future use.

Do You Really Need a Separate Checking Account for Your Business?

OK, I know there’s a debate about whether you really need a separate checking account for your business. Especially if you’re just starting out. The CPA in me will ALWAYS say „Definitely!“ That’s because I know how to easily track income and expenses separately for my business and my client’s businesses. And, I like there to be a completely CLEAN line between personal and business.

But, what if you’re just starting out? What if you don’t have a business structure setup? What if you’re basically working from your home offering a service for clients that you previously offered as an employee? In this case, do you REALLY need a separate checking account? (In other words, you are a SOLE PROPRIETOR)

When you ABSOLUTELY need a separate business checking account and credit card for your business:

You do business as a „DBA“. In other words, the name of your business is something like „Kendra’s Pet Sitting Service“ instead of your own name. In order to get the DBA, you’ve gone to the county courthouse and registered your new business name there. You will use this name to invoice your clients and your clients will make their checks payable to this business name. You do business as an LLC, S Corporation, C Corporation, or any other legal entity. In order to keep your business structure legally intact and follow the recordkeeping rules, you will need a separate business checking account in the legal name of the business entity.If you don’t meet any of the above, you MIGHT want to get a separate business checking account if:

You have steady business income coming in, and don’t have to continually transfer money from your personal account to keep your business account going. You understand the difference between personal and business income and expenses. You want to make your business life easier. You’re willing to do regular recordkeeping to keep your business separate.Pros of having ONE combined checking account:

All money received from all sources (gifts, personal, employee income, business income) gets deposited in ONE place. At the beginning of your business, you won’t have to continually transfer funds from your personal account to cover business expenses. You won’t have to try and keep transfer records straight between your personal and business account. The IRS accepts one checking account AS LONG as you keep ACCURATE records. In fact, having a separate business account doesn’t AT ALL mean the IRS would ignore the personal account during an audit. You don’t have to make an immediate decision when purchasing something at a store whether to use your business or personal account….you may find out later that the purchase can be deducted as a business expense.So, what’s right for you? I don’t know…it depends on your situation and how much recordkeeping you want to do from the start. This totally goes against what I’m „supposed to“ tell my clients.

But, I believe strongly in entrepreneurship, and want everyone to be able to start right away without getting stuck on these kinds of questions.

If you have a great business idea, go for it! And, if you are a sole proprietorship and only have one checking account for now, that’s OK.

BUT, please keep ALL receipts for ALL purchases; and make sure you have a record of how each deposit breaks down. At the end of the year, you’ll still need to break down your personal vs your business income and expenses for your tax return.

Once you’ve got your business rolling with a steady stream of income, you’ll want to start treating your business like a separate entity regardless of whether you keep your sole proprietor status or not.

Finding Hidden Assets

If you have a judgment against an individual, most likely you are not going to find any attachable assets by searching public records. Judgment debtors are smart. They know you are looking for their bank accounts. Most of them do not have open checking/savings accounts in their name.

In recent years, the internet has been a great place to hide money. PayPal for example allows individuals to have online accounts to either store funds or make business transactions. A high percentage of eBay users have PayPal accounts. Many online businesses use PayPal as a form of accepting credit cards. If you believe your debtor has a PayPal account, here is what you do:

Have your attorney send a letter via U.S. Certified Mail or by courier service (Fed Ex, UPS, etc..) to PayPal with a subpoena (or writ of attachment if you have a judgment) to the following address:

PayPal

Attn: Legal Dept. – Civil

2211 N . First Street

San Jose, CA 95131

Make sure the subpoena/writ includes the debtors full name, address, social security number. It wouldn’t hurt to include the email address of the debtor.

Another way to search for someone assets is to check their trash. I always tell my clients to shread their personal information before they throw it away. However, there are still many careless people out there who just throw away their bank statements, stock portfolio, telephone bills, etc…

In most cities it is legal to search through someone’s trash as long as the containers are on the street or in the alleyway. I suggest checking with the city regarding their laws before you take someone’s garbage.

There are many other creative ways to find hidden assets. I won’t list them all here. The above steps are probably the best way to start when you need to collect on a sizable judgment.

No Credit Check in House Merchant Financing Program

Merchant Finance Program

As a merchant who offers a product or service that costs $300 or more. Wouldn’t it help you if you could offer a finance program to your customers that 95% of them would qualify for? I would imagine you could add a few more sales per week or month which could really improve your profitability. There is a new „no credit check finance program“ for merchants like you to offer to your customers. This program works anywhere in America.

Four Ways to Buy

Today your clients have four ways to pay when they buy from you. They can pay cash, use a debit or credit card, pay by check or use your financing program (if you are fortunate and savvy enough to have one).

  1. Pay Cash: Cash is king and is almost always the best option for most merchants. Unfortunately most people do not carry cash, especially larger sums like $500, $1500 or $3,000. Most Merchants like cash.
  2. Debit or Credit Card: Today more often than not this is how most customers make their purchases. As long as you have a relationship with a good merchant services company you gladly accept debit and credit cards. Depending on your merchant services company and your business and personal credit profile they may charge you between 1.9% or 3.5% maybe a little higher or lower. Most businesses have this cost factored into their price as a cost to do business. To get the sale you must accept this form of payment. Especially if you have a virtual company, you must be able to accept debit and credit card transactions.
  3. Single Check: Like cash this form of payment is going the way of the dinosaur. People just do not carry checks like they did in the past. One other reason is that merchants generally do not want to accept the risk of a check not clearing.. There is a solution for business to accept checks. They can use the services of a check guarantee company. They work similar to a merchant services company by running the check through their processing machine and determining if the writer is on a „bad check writing watch list“ or if the checks have been reported stolen. The check guarantee company then guarantees the check is good, converts it into an electronic funds transfer item, which makes it payable immediately. This has a few benefits for the merchant. First there is no hold on the checks and the money is deposited into there accounts within 48 hours. There is also no reason to run to the bank to deposit the check (which many banks are charging merchants a fee to do so). Most importantly the check is guaranteed good and there are no return checks or return check fees.
  4. Financing Program: The obvious reason this is not prevalent today is that most merchants do not offer one. If they did many clients would not qualify for financing. First banks are very tight in financing customers today. They are reducing the credit lines on their good customers and canceling the accounts of their marginal ones. Even if you are fortunate enough to be able to offer a financing program to your customers 50% of them will not have the credit to qualify. But today you have the ability to offer your customers a „Complete Payment Solution“. You can offer your customers a „No Credit Check Finance Program“ where they can finance up to $5,000 for 90 days and the money is guaranteed to you by your merchant services company. This means without a credit check your customer could qualify to finance their purchase from you.

Erhalten Sie Ihre Leistungen der sozialen Sicherheit außerhalb der USA

Ja, Sie können Ihre Leistungen der sozialen Sicherheit außerhalb der USA empfangen. Wenn der Tat, können Sie sie in Ihre ausländischen Bankkonto eingezahlt. Also, sollten Angst, nicht über Ihre Leistung der sozialen Sicherheit Kontrollen nicht davon abhalten, die Sie von Ihrem Expatriate Wohn Träume und Leben im Ausland.

Dieses Besorgnis über Ihre Sozialversicherungsprüfung im Ausland nicht erhalten kann gelindert werden Sie Kenntnis von bestimmten Vorschriften sind. Diese Diskussion ist in erster Linie für US-Bürger im Ausland, da gibt es spezielle Vorschriften, die Bürger anderer Länder, die Anspruch auf Sozialleistungen wegen ihrer beruflichen Werdegang in den USA Drei wichtige Fragen der Sicherheit sind beziehen, damit Sie sorgfältig, bevor der Umzug folgen betrachten

1. Wenn Sie sind außerhalb der Vereinigten Staaten? Die Social Security Administration sagt, Sie sind außerhalb der USA in Betracht gezogen, wenn Sie nicht in einem der 50 Bundesstaaten sind, der District of Columbia, Puerto Rico, die US Virgin Islands, Guam, die Nördlichen Marianen oder American Samoa. Sobald Sie aus den USA für mindestens 30 Tage in einer Reihe gewesen sein, gelten Sie als außerhalb des Landes sein, bis Sie zurückkehren und den Aufenthalt in den USA für mindestens 30 Tage in einer Reihe. Wenn Sie kein US-Bürger sind, können Sie auch haben, um zu beweisen, dass Sie rechtmäßig für diesen Zeitraum von 30 Tagen waren anwesend in den USA.

2. Wie und wo kann ich meine Leistung der sozialen Sicherheit Kontrollen erhalten? Die einfachste Lösung ist es, dass Ihr Nutzen Kontrollen in einer US-Bank hinterlegt und verwenden Sie Ihre ATM-oder Debitkarte, Ihr Geld zugreifen. Wenn Sie das Geld haben, im Ausland hinterlegt wünschte, es gibt noch andere Überlegungen. Derzeit Social Security listet 44 Länder, in denen können Sie Ihre Leistungen direkt an eine Bank in diesen Ländern aufgebracht. Es gibt auch bestimmte Staaten, für die das Gesetz der sozialen Sicherheit Kontrollen können nicht gesendet werden. Diese können zu ändern, aber ab dem Zeitpunkt meines Schreibens dieses, das US-Finanzministerium verbietet das Senden Leistungen der sozialen Sicherheit, um Kuba und Nordkorea. Darüber hinaus soziale Sicherheit Beschränkungen verbieten Senden Zahlungen an natürliche Personen in Kambodscha, Vietnam oder Bereiche, die in der ehemaligen Sowjetunion waren (außer Armenien, Estland, Lettland, Litauen und Russland).

3. Kann ich verliere meine Leistungen im Ausland leben? Ja, aber nur, wenn Sie nicht von den staatlichen Bestimmungen, die Ihre Leistungen regeln einzuhalten. In diesem Sinne ist es nicht anders im Ausland leben als das Leben in den Vereinigten Staaten. Darüber hinaus erhalten Sie in regelmäßigen Abständen von der Sozialversicherung gesendet werden einen Fragebogen bittet um Update-Informationen. Wenn Sie diese zurück rechtzeitig zu senden scheitern könnte es in der Nachspiel Ihrer Rentenzahlungen zur Folge haben. In den meisten Fällen, ist nicht anders Eigentums Ihre Vorteile, wenn die im Ausland leben, als wenn in den USA leben

Detaillierte Informationen über alle Vorschriften sowohl für die US-Bürger und Bürger anderer Länder, die im Ausland leben, kann auch gefunden werden der Social Security Online [http://www.ssa.gov/pubs/10137.html#countries] Website. Erziehen Sie sich über die komplette Vorschriften in Bezug auf Ihre Leistungen der sozialen Sicherheit im Ausland können Ihre Expatriates leben viel glatter zu machen.