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.

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.

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.

An Online Finance Degree Can Open Doors To A New Career

Earning an online finance degree from an online university, college or business school can open up many opportunities to work in the field of finance. There are the typical levels or degree programs available in finance as in many online college degrees. Associates degree is the basic degree level all the way to an MBA (Masters of Business Administration) or Doctorate. The online finance degree offers additional benefits to students and college faculty in regards to flexibility of scheduling and course instruction.

An Associate’s Degree is the basic level of achievement in almost any degree program online and will typically take about 2 years to complete. The Associate’s degree might be satisfactory for entry level employment at credit unions and banks, or possible smaller accounting firms.

A Bachelor’s Degree is the next level and is usually referred to as a “four year degree” as it should take approximately 4 years to complete. The Bachelor’s Degree is much more widely accepted when seeking employment in the field of finance and the opportunities for employment are much broader with a Bachelors Degree. Banking, large accounting firms, investment firms and financial planning companies might typically be looking to hire graduates of a four year Bachelor’s Degree program. A finance degree can also prepare a student for further degree programs such as an online marketing degree or any number of other online college degrees.

The Master’s Degree is where the best job offers reside and an MBA is the ultimate Master’s degree when it comes to an online finance degree. A Master’s Degree holder is eligible for just about any job in the finance field right out of college. Businesses look at graduates holding Master’s Degrees or MBA’s as having the right education and training to step right into an upper-level job.

Some of the different specialties within finance are:

Credit Analyst
Investment Banker
Financial Planner
Financial Advisor
Finance Officer
Loan officer

Many of these career choices are obviously in the banking and investment sector but many large corporations and companies require a finance officer or an upper level manager with a finance background to help maintain the assets of the company.

An Online Finance Degree also offers the flexibility of online college degree programs in that students are often able to continue their current employment while attending college. This flexibility is what makes online degree programs so attractive to potential students who are already employed in their chosen field or who have other family and work obligations.

Earning an Online Finance Degree is definitely a big step forward if you are working in the finance field or want to begin a career in the field of finance. Getting your finance degree online will allow you some flexibility to work at your own pace in order to achieve the level of education and career advancement you desire.

What An Online Finance Degree Can Do For Your Future

Acquiring an online finance degree is one of the most flexible and lucrative option for becoming a professional. If you haven’t acquired your degree yet due to time constraints or other binding problems, taking an online course will give you the flexibility to balance your work or family life with gaining an education. Choosing just any degree would probably not be the best move, but choosing a finance degree is a safer bet than a degree in the humanities.

Flexibility is one of the greatest components of attaining a degree online. Unlike in high school, you’ll have the freedom to decide on your own time. Not only that, but there’s no longer any authority figures hovering over you, treating you as if some child. This will allow you to become more independent and become better at time management. It also allows the opportunity to still be socially active since you can plan around your social activities. Do you hang out with friends during the afternoon, maybe in the evening? You can easily create a schedule that will leave those time frames open.

With a finance degree so many options become open to you, from becoming a financial consultant to a manager. It’ll give you the skills and knowledge that will help you excel in your chosen career after graduation. Not only that, but this is one field that can withstand a recession; a recession may even boost job opportunities. With so many financial woes that require financing and consultation during a recession, there should be plenty of job opportunities. Gaining an online finance degree will allow you to acquire those jobs.

Gaining knowledge in finance will not only help you acquire clients or land a job, it will allow you to better evaluate your own finances. The practical skills you gain through an online degree, along with involvement with your professors, you’ll be capable of better understanding the financial market and how to use it to your advantage. This will also empower you in ways you may not have imagined. In this society, despite how horrible it may be, those lacking a degree have fewer options and are less regarded as their degree-holding counterparts. By gaining a degree, online or not, you gain more power to use the current social system to your advantage.

Of course, an online degree is no easy getaway. There will be work assigned, texts to read, and exams to take. But let me ask you this, is that really any harder than the problems you’ve dealt with in life? For those who are currently working a minimum wage job, perhaps even two, those hours spent on studying probably wont compare to the feelings of tiredness you’ll feel after finishing a job. Assignments probably wont be as hectic as handling a family. There’s so many other barriers that you have already overcome, gaining a degree shouldn’t be seen as any more difficult to overcome. At the end of your school work load, after you finally gain that finance degree, all those efforts in studying will be sure to show. You’ll be able to get a higher paying job, spend less hours working, and in effect, more time doing what you want.