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 [] or as featured on Mobile Apps Designers.

Campaign Finance Reform, Or Revolution?

When I was a little boy, we lived in rural Missouri, about 30 miles outside of St. Louis. We lived there until I was nine years old. We lived in a small town, but the world was, for me, a very big place filled with wonders and bulging at the seams, with hope and possibility. In spite of the veiled threat of nuclear war between the Soviets and Americans our government made us feel safe. Even though we had regular “duck and cover” drills at school confidence in our leaders made us feel safe. My parents worked hard, provided for us, and because my dad was a Union member, we all had health insurance. I assumed that everyone did, and I think that at that time most did. I doubt that the world was any more politically stable than it is now, but most everyone seemed to believe that anything was possible. There was abundant hope. I’m sure that this was largely a middle-class phenomenon, but there was a very large middle-class. I think that this was, pardon my pun, “trickle-down” from pretty good leadership. I know now that it had to do with the “industrial military complex” being in its infancy. President Eisenhower would warn us about this institution and those who would control and profit from it, becoming the greatest threat to the freedom of the average American.

In 1958 our family relocated from Missouri to California. There was more construction work for my dad and the Union was very strong there. I remember when we were traveling, being a little boy, it seemed as if we were pioneers traveling to the great Wild West. And you know what, it was sort of… true! Even though I was disappointed that Mexican-Americans didn’t wear sombreros, it was to me, exciting and wondrous! It wasn’t easy for my folks, but they were able to make sure that we, my younger brother and I, were protected from such heavy burdens of social pressure, allowing us to just be children. We became Californians! Then came John Fitzgerald Kennedy! From what I could tell, my parents who had been life-long Republicans and didn’t vote for Kennedy became converts to the charisma and competency of this President, as did very many Americans. When he spoke it was like he was speaking directly to you and he was like Jefferson or Franklin or one of the “framers” reborn. It was obvious that he was a “peoples President”! Born into wealth, he had no need to sell one bit of himself to anyone. His father had stressed that they were fortunate, being wealthy Americans, and that they would be behooved by that fortune to become public servants. In that role, JFK made us all feel like anything was possible and I do mean anything. Take for instance, “We’re going to the moon!” And though we did have a standoff with far reaching implications, with Russia. We won! It was a time when Americans felt like and actually were the moral conscience, human rights and social leaders of the World!

Then the turmoil began. John Kennedy was assassinated in Dallas and Lyndon Johnson became the President. Then we lost Rev. Martin Luther King, Jr… then Bobby Kennedy! Though Johnson managed to get the Civil Rights Act passed, he escalated and became obsessed with Vietnam, a mistake and trauma that would overshadow many great things he did and that were happening. The Draft… the conscripting of young American boys into the armed forces would begin the great change. Nixon would begin the de-escalation of the war, but then became the most disgraceful leader in modern American history… The Vietnam War, sold under threat of the domino effect of Communism (bullshit), would be the beginning of Eisenhower’s greatest fear. The Industrial-Military-Complex invaded the United States economy, to eventually determine every aspect of American life. Spanning the better part of two decades, Vietnam would give birth to private industry and businesses so rich and powerful that they would gain the ability to “lobby” (bribe) Washington D.C. and influence American policy, law, and social stability. An industrial complex supporting a massive armed force would become an entity of its own, spawning a wealthy class of citizens enjoying privilege like European Royalty. As this class grew and spread into every sector of the economy, someone would have to pay their way. The middle-class became overtaxed, underpaid and underserved, as the Nation’s economy began to transfer from the average citizen to the upper one percent (1%). This trend would continue right up to our current situation.

A succession of weak Presidents like Ford and Carter paved the way for the fatal Presidency of Ronald Reagan. A complete sell-out to the rich and powerful businesses, and a promoter of a covert military, he broke the back of the Unions when he broke the Air Traffic Controllers strike, allowing those Union members to be displaced by non-Union employees. The Unions had made possible things like wages that kept up with inflation, top-notch health insurance policies for members, and arbitration with companies to assure employee safety and quality work and goods production. Without the Union protections, American workers would be at mercy of purely profit-based business that looked at the “bottom-line”" as the primary if not their only consideration! His covert military would take up the cause of protecting business interests abroad. The country of the people, by the people and for the people was gradually disappearing into the distance like fading sunlight as night approaches. A very dark picture was taking form in the United States of America.

The blow of the “Bushes” was softened by the charisma of William Jefferson Clinton, briefly, though the Industrial-Military-Complex was still on the march promoting war, profiteering and deregulation of the financial industry to unprecedented levels in spite of warnings that history provided. The transfer of the economy to the top one-percent was escalating at nearly unstoppable speed. All the while, Americans had become complacent and continued to trust that government would, in the end, come to their aid. Over the years since Reagan, Unions had been sold as evil and counter-productive to the economy. Safety in the work place became substandard as the average worker worked longer and harder hours to maintain a secure and stable life-style. A new phenomenon appeared as somewhat of a bewilderment to most, at the time… the presence of a growing “homeless” sector appeared in our society. “Why” wasn’t apparent! We couldn’t see that if the wealthy remained the top 1%, and the middle-class was diminishing… poverty had to be flourishing! The American way of life had transformed. Things that made us what we were, were disappearing or being stifled and rebranded as counter-productive to our economy. War became acceptable as a sadly necessary part of our culture and the times we live in! International Treaties were deemed inapplicable to the United States government. It seemed that almost out of nowhere America was grabbing people and shuffling them off to clandestine locations, torturing them and defying international law. The government didn’t need warrants to wiretap and spy on its people. Privacy was unimportant. Americans, like the enemy, could be locked up without “habeas corpus” in the process, and for indeterminate lengths of time with no legal representation. Two-percent (2%) of the population would, over the course of each year, be incarcerated. Doctors were being assassinated for carrying out legal procedures. Civil rights were first being given to citizens and then taken away in backlashes of the Religious far-right interfering with government and the law. Government mandated that citizens must buy a poor quality product from unethical businesses under the threat of penalties, with no acceptable, reasonable product offered under that law (health insurance). Federal authorities intervened in legal conflict with State laws, arresting people for things that their State had deemed legal (medical marijuana)! Maybe worst of all, no one will take responsibility for the environment of our Planet and the destructive effect we are so obviously having on it. This has all culminated into the financial melt-down of 2009, and still the people struggle for justice and for the government to come to their aid, but it falls on deaf ears that have been silenced by financial reward from lobbying (bribery) by the Military-Industrial-Complex that silently has instituted a coup on the United States Congress, stripping the people of their representation in the Federal governing system. Half measures that appease the people and sustain the power of the top 1%, yet really change nothing, are all we can get out of them.

100 Financing Investment Property

100 financing of investment properties refers to 100% financing from outside for your investment in real estate. Funds that are brought from one’s own savings, on loan from friends or relatives are in a way not much different from capital whereas real debt or Investment property financing comes from financial institutions. These entities – banks, mortgage firms and lending organizations like credit unions — lend funds to the applicant on the trust of a collateral security or based on the income, credit-worthiness and repayment capacity of the individual. Even if these criteria are satisfactory, an investment property financing institution may ask to be shown the business plan of how the applicant means to generate income using the pieces of property he or she means to buy and consequently pay off the loan or conclude the mortgage. The lender has the right to know how the business is going to be conducted because the revenues of this business determine how fast the loan is going to be repaid. With the turn in the economy, 100% financing investment property has almost been done away with.

100 financing investment property

In the United States, there are three credit bureaus, Equifax, Experian and Transunion, that maintain records of the lines of credit extended to each individual and how they are being handled. The credit reports formulated by these bureaus reflect how many credit card accounts a person has, how many times he or she has defaulted in payment or gone over the credit limit; other forms of financing availed by the individual such as home mortgage, auto finance or student loans, are also listed. Lenders and creditors have access to these credit reports and use them to check if an applicant is worth the risk of being given a loan. The exact features that point to an applicant as being risky can be found out after a professional analysis of one’s credit report. A high Debt to Income ratio and loan to value ratio are some of the red-flags. These areas have to be improved so as not be saddled with an exorbitant rate of interest and terms that are not favorable to the borrower. Some unfavorable terms are floating interest rates that send the finance charges through the roof upon a single defaulted payment. To prevent this eventuality, it is better to choose a deal with a fixed (flat) interest rate or a low ceiling rate on the interest rate slab.

Lending fees, high interest rates, discount points (another form of lending fees paid upfront to prevent the interest from racing up) can actually break the bank. In fact, there are many cases in which discount points have been deceptive and one ends up paying more for them, than the actual interest (finance charges) that would have been paid if the interest rates did go up. To prevent such goof ups, it is a good idea to take estimates from two or three lending organizations, compare their offerings and then choose the one that appeals most to one.

The worst pitfall to guard against is when some lender tells you that you are eligible for 100% financing of investment property. Those idyllic days are over. In fact, they are past their sell by date because there were not so idyllic. There may be such plans available on subsidy from the government for the exclusive use of first time homeowners who belong to the low income group. But this does not include investment property dealers. Traditional methods of 100% financing are now called owner financing and are still available but they are not an attractive option. It is not surprising that requests for owner financing are viewed with suspicion of default by lenders and therefore, that avenue is best avoided.

What Stands Behind Capital One Credit Cards and Savings Products?

In the times since the global financial crisis, it has increasingly become a concern as to what the backing of the financial institution that issues your credit card or holds your saving account is. There are a number of laws which regulate the financial system and try to ensure that customers can rely on banks to honour their obligations which can be a particular concern in relation to savings products. Title 12 of the United States Code in part 325 specifies a number of ‘capital adequacy requirements’ in relation to all banks. The aim of these requirements is to force banks to adequately provision of a crisis and ensure that they will remain solvent even if there is a large crisis. Banks must report periodically on their arrangements to show regulators that they are meeting the capital adequacy requirements.

Capital One at the moment is, when measured by asset pool, the 8th largest bank in the United States with balance sheet assets of approximately USD$286bn in 2012. Amongst other distinctions, the company is also one of the largest customers of the United States postal service. Its head office is in Fairfax County Virginia and the current chairman, CEO and President of the company is Richard Fairbank. It is one of the fastest growing banks in American history having been founded in 1988 by the current CEO. Like many banks in the American financial system, Capital One was the recipient of a bail out during the sub prime mortgage crisis of 2007 when it received $3.56bn from the United States Government in exchange for 3,555,199 shares in the company. By the end of 2009, the company had managed to buy the government out of the business.

As well as being involved in credit cards, Capital One has an Auto Finance Division which is a substantial part of the company. An entity known as Capital One 360 is also now in existence having formerly been known as ING Direct on the idea that a bank could perform retail services entirely on the basis of an online model. This division of the company has no branches and only maintains a physical presence in the form of call centres and online processing maintenance facilities. The online bank model seems to achieved some success given that the lower overheads from rent and staff result in lower costs to consumers and therefore a better outcome.

One of the notable characteristic of Capital One is that it appears to have retained an ability to ride out the periodic financial storms which emerge in the world of consumer credit. It has grown consistently throughout good and bad times in consumer finance and continues to grow based on the analysis of its most recent financial data. This history of growth and the ability to ride out financial storms appears to bode well for the credit and savings products of Capital One.

How to Successfully Capitalize on Special Finance Leads?

In a highly competitive market, it is very difficult to generate quality special finance lead by the dealers. The process results in unnecessary wastage of time, energy, and money. In spite of spending a lump sum amount on advertisement and on running PPC campaigns in Google, still a dealer fails to produce the desired number of leads to meet the monthly target. Dealers who cannot generate their own leads depend on the professional lead providers to supplement the flow of new sale opportunities.

All providers produce new sale opportunities through their own marketing efforts. They usually have a couple of websites for an effective auto lead generation. Through advanced adverts offline and online and use of social media, the highest quality of leads are generated in real time. Pay-Per-Click (PPC) campaigns are used extensively to generate as many leads as possible.

When sending the leads to the dealer client, the professional lead generators ensure they are sending only the best quality leads. A team of efficient professionals works to separate the good quality leads from the bad ones. Usually a provider uses a lead tracking software to track the number of leads coming from different sources from websites, landing pages, blogs, advertisements, etc.

Bad quality leads are generated when so-called potential car buyers don’t respond to calls being made from the lead generating company’s office or for that matter don’t reply to the emails sent at least 48 hours ago. Such sets of people are termed as ineffective leads and the list containing the personal details of such individuals are not sent to the dealer. Effective leads are those that respond instantly to a call or an email and show a genuine interest to buy a car.

There is a misconception amongst many dealers that the providers send a lead’s personal details to multiple dealers. The lead generating companies have teams that check whether the same leads are being sent to more than one dealership or not. Cross checking of leads received should also be done on the dealer’s part to reject duplicate leads.

The reason for the huge popularity of the external lead generators lie in the fact that they guarantee the generation of maximum high quality leads. Once people fill up an online inquiry form to learn more about a dealer and the auto loan application and approval procedure, the generator instantly starts following up with those people. Through regular communication and responding to the queries of potential car buyers, special finance lead can be generated successfully.

Experienced service providers spend all their time in doing quality research on the type of target audience a dealer wants to have. The providers will use the latest, innovative marketing strategies to create a long lasting impression in the minds of the people. One of the best chances to increase visibility is to have a strong presence in various social media web platforms for maximum auto lead generation. Through maintenance of social media accounts and regular posting of interesting articles, relevant news, photos, and videos on Facebook, Twitter, LinkedIn, Google+, and so on grabbing the attention of potential car buyers can be increased to a large extent.

Matthew S Barredo is an expert researcher of special finance lead. He has over 7 years of experience in the genre of finance auto lead and the same. In this article, he has tried to educate the readers about choosing an ideal car lead generating company and auto lead generation for steady sales and profit.