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There are also a few drawbacks with Adjustable rate mortgages - One drawback is that rates and payments can rise significantly over the loan period Fake Audemars Piguet Watches. For instance, a 6RM can end up at 11n just three years if rates rise in the overall economy. A borrower抯 initial low rate will adjust to a level higher than the going fixed rate level in almost every case because ARMs have initial fixed rates that are set artificially low. The first adjustment can be hard hitting because some annual caps don抰 apply to the initial change. Someone with an annual cap of 2nd a lifetime cap of 6ould potentially see the rate shoot from 6


Fixed rate mortgages offer rate and payment security, but they are more expensive. It is important to weigh the pros and cons of ARMs and fixed rate mortgages before you decide which is right for you.
Lenders have much more flexibility when determining margins, caps, adjustment indices and other things, so new borrowers can easily get confused or trapped by less than honest mortgage companies mysubmariner. One last drawback to adjustable rate mortgages is that on certain mortgages called negative amortization loans, borrowers can end up owing more money than they did at closing. This is because the payments on these loans are set so low they only cover part of the interest due Fake Designer Handbags. Any additional amount will get added into the principal balance China LED Ribbon Light.
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There are many benefits with an adjustable rate mortgage - One benefit is that they usually feature lower rates and payments early on in the loan term. Lenders can use the lower payment when qualifying borrowers, therefore borrowers can purchase larger homes than they could otherwise afford. ARM抯 allow borrowers to take advantage of falling rates without refinancing. Instead of having to pay closing costs and fees, borrowers can just sit back and watch their rates fall without worrying about these extra costs Replica Watches. Adjustable rate mortgages can help borrowers save and invest more money. Someone who has a payment that is say $200 less with an ARM than with a fixed-rate mortgage for a couple of years can save that money and earn more off it in a higher yielding investment. This type of mortgage also offers a cheap way for borrowers who don抰 plan on living in one place very long to buy a house.

By:Tim Knox


Q: How important is the name of a business? Should the name of a business reflect what the business does or is it better to come up with something catchy and easy to remember?
-- Randy P

A: What's in a name? When it comes to your business, Randy, a lot more than you might think In fact, deciding on a business name is one of the most important decisions you will ever make The right business name can help you rise above the crowd while the wrong business name can leave you trampled in the rush

With the economy in a slump and competition on the rise, now more than ever it is important that you put considerable thought into coming up with the perfect name for your business

Unfortunately, this is a task that is easier said than done It seems like all the good business names are either married or鈥?no wait, that's a different subject, but the analogy holds true

We live in an age when a business called "The Body Shop" might repair wrecked cars or sell skintight jeans to teenagers, so before you send your letterhead to the printer, consider the following points to help you select the business name that's right for you

The first thing you should do is conduct a little research to determine if the name is already in use by someone else You would be surprised at how many entrepreneurs forget to research this point and open a business with a name that is already in use Check with the county clerk and the secretary of state to make sure the name isn't already licensed for use or incorporated with the state Also check with the US Patent and Trademark office to see if the name is already trademarked, ie, owned, by someone else Using another company's trademarked name exposes you to legal action by the trademark owner Even if your name is just similar to the trademarked name, you may find yourself in court defending your right to use the name And odds are it's a battle you will lose

If the name you choose is not in use, you should immediately reserve the name with the secretary of state (if you plan on incorporating) and apply for a trademark to ensure your legal ownership If you do not trademark the name someone can come along later and attempt to steal the name out from under you Imagine spending years building up your business only to have some upstart trademark the name and engage you in a legal battle over rightful ownership This is one fight you don't need, especially when the hassle could have been easily avoided with a few bucks and a few forms

Another important thing to consider is the domain name for your business The domain name is the website address a customer will use to find you on the Web Is the domain name for your business name available? If not, is there a domain similar to the business name you're considering?

You will undoubtedly discover that securing a suitable domain name is actually harder than choosing a business name Most logical domain names are already reserved, but you might get lucky Replica Handbags. Keep in mind that domain names should be short and descriptive, and preferably have the com or net extension You can use other extensions (I've even used the "to" extension on occasion) if necessary, just keep in mind that you will need to put forth a little extra marketing effort to promote the website address as people typically assume a com extension as the norm Whatever you do, don't use a domain name that is a confusing amalgam of letters and numbers that is hard to remember and even harder for your customer to type in

One good way to approach the task of naming a business is to do so from your customer's point of view Your business name should clearly define your offering and communicate your message to customers Put yourself in your customer's shoes for a moment If you were looking for a business that provides your product or service, what would you expect that business to be called? If you were in the market for computer parts, for example, wouldn't you look for a business that has "computer parts" reflected in the business name? Jim's Computer Parts may not sound as snazzy as Jim's Electronics Emporium, but snazzy doesn't pay the bills Happy customers who quickly identify you as the source of their purchase do

The name of your business can also spark subconscious reactions in a customer that may drive them to you or drive them away Words like quality, complete, executive, best, low-cost, and on time often spark positive reactions in the mind of the consumer Words like cheap, discount, and used tend to create negative emotions You'll notice that no one claims to sell used cars anymore, but the dealer lots are loaded with vehicles that are "previously owned"

Finally, let's talk about things to avoid Experts agree that you should avoid using generic terms like enterprise, corporation, partners, and unlimited as part of your everyday business name These terms are fine for the legal business entity name, but are often too unclear for everyday use Can you tell me what any of these companies do: ABC Corporation, Big Dog Enterprises, M&B Partners, and Discounts Unlimited sell? I didn't think so

Also avoid abstract names like Yahoo, Google, Monster and Flip Dog (I am not going to list the names of the numerous local high tech firms that have bucked this rule :o) Abstract names will require a subtitle to explain what the business does or an expensive marketing campaign that brands the name into the minds of consumers Replica Watch. Unless you have deep pockets, I suggest you go with a name that describes your business at first glance and leave abstraction to the likes of Cher

Finally, you should avoid hokey names, unless of course, you are starting a hokey business Crazy Dave's Stereo Shop is a great name if the business is really run by Crazy Dave and his personality is exploited in the marketing of the business Wholesale Leather Handbags.

However, if you want to be taken serious, then give your business a serious name

Would you go to Crazy Dave's House of Dentistry?

Neither would I

Here's to your success

Tim Knox tim@dropshipwholesalenet

About the author:
Tim Knox
Entrepreneur, Author, Speaker
Tim Knox is a nationally-known small business expert who writes and speaks
frequently on the topic
For more information or to contact Tim please visit one of his sites below
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By:Tim Knox


Q: I'm opening a gift shop and want to be able to accept credit cards I talked to the branch manager at my bank, but he didn't seem to know much about how it all worked He did say that I would need something called "a merchant account" and something else called "a credit card processor" Beyond that he seemed as clueless as I am I'm thinking about going to another bank Can you explain how that all works?
-- Mary Ann G

A: Mary Ann, I'm going to give your banker the benefit of the doubt and say that a lack of knowledge regarding the specifics of credit card processing is not necessarily a reflection of the banker's competence I have found over the years that most bankers, no matter how experienced or knowledgeable about the banking business they my be, don't really know much about how credit card processing and acceptance really works That's because the task of accepting and verifying credit card purchases is handled by third party service companies who process and deposit (or settle) the funds into a bank merchant account

The decision to accept credit cards is a wise one for any retailer I agree with financial guru Dave Ramsey's teachings regarding the use and abuse of credit cards Many people dig deep holes with credit cards that are hard to climb out of

But, from a practical business point of view, any retail business that does not accept credit cards is leaving money on the table Research has shown that accepting credit cards increases revenue and helps with cash flow since you receive the money within a couple of days instead of waiting up to a week for a check to clear

Credit cards don't bounce, as some checks have a tendency to do Credit card users are also more likely to buy on impulse and spend more when they do Bad news for them, but good news for you If you have a social conscience concerning the use of consumer credit cards, a retail operation probably isn't the business for you

To accept credit cards at a brick and mortar location you typically need four things The requirements may vary a little, but the following applies in most cases

You will need: (1) A way to enter the customer's credit card information into a verification and processing system This can be done with a swipe terminal, point of sale system, or by calling the credit card in by phone; (2) A credit card gateway company to verify the credit card's validity and process the payments; (3) A credit card merchant account in which the gateway company will deposit payments made to you; and (4) A business bank account into which the settled funds will ultimately be deposited for your use

Here's how the process works (1) You make a sale and the customer pays by credit card (2) Using a card swipe machine or telephone, you contact what is known as a "gateway company" who takes the card information you submit and verifies that the card is valid and the charge can be made against the card account The gateway company returns an approval code for the purchase

With a swipe machine or point of sale terminal the verification process happens in a matter of seconds If you're doing telephone verification it can take a couple of minutes You call the gateway company, give them the credit card number and expiration date and they give you an approval code that you write on the credit card charge slip Either way, the money is typically deposited in your merchant account within 24 to 48 hours (less fees, of course)

You'll also need to apply for merchant status with each credit card company whose card you want to accept To do business with American Express and Discover all you have to do is fill out an application, but to accept Visa and MasterCard you must have a merchant account A merchant account is a special bank account set up for the expressed purpose of accepting credit card payments processed by the gateway company Merchant accounts are usually associated with banks, though you can also use credit card merchant account service companies to perform the same function if you can not get approved for a bank merchant account

Applying for a merchant account at a bank is much the same as applying for a loan The only difference is sometimes a loan is easier to get There is the prerequisite paperwork to complete and pledging of the first born, followed by an approval process that can take up to several weeks And you are not guaranteed that the bank will approve your merchant account, even if you have been a favored customer for many years Banks have strict regulations regarding the granting of merchant accounts and if issuing you a merchant account in anyway puts the bank at risk of losing money, you will be turned down Banks always make decisions based on economics, not relationships (no matter what your banker tells you)

Requirements for qualifying for a merchant account varies among banks, but in general the bank will look at the following criteria:

How long have you been in business? Business longevity suggests a history of stability, efficient management, and good financial health

What is your product or service? Does your product lend itself to a high rate of returns and chargebacks? A chargeback is a disputed credit card charge that is refunded to the buyer and charged against your account You are accessed a chargeback fee that can be as much as $20 per event High Power LED Bulbs. If your business lends itself to high chargebacks, you will not get the merchant account

How's your credit report? Banks always look at how much you owe and how you pay your bills, so it's important to have good financial and trade references If you have a history of late payments or defaults to vendors, it will count against you

What is your anticipated volume of sales and average transaction amount? The more money you make, the more money the bank makes If you anticipate just a few credit card charges per week it may not be enough to justify the merchant account in the bank's eyes

Is your business categorized as a "high risk merchant?" High risk merchants are those with the highest instances of credit card fraud and chargebacks High risk merchants include many types of internet-based businesses, telemarketers, travel and cruise businesses, and membership clubs Being a high risk merchant dramatically decreases your chances of getting a merchant account with a bank Replica Christian Louboutin.

Being a high risk merchant doesn't mean that you can't get a merchant account from somewhere else Thanks to the growth of ecommerce in recent years there are a number of alternative companies that will provide you with a merchant account, sometimes with more perks than a traditional account, but almost always with higher fees

Also, not all banks support internet merchant accounts If yours does not, shop around for one that does We'll take a look at accepting credit cards online in next week's column

Here's to your success

Tim Knox tim@dropshipwholesale Fake Watch.net For information on starting your own online or eBay business, visit http://wwwdropshipwholesalenet About the author:
Tim Knox
Entrepreneur, Author, Speaker
Tim Knox is a nationally-known small business expert who writes and speaks frequently on the topic
For more information or to contact Tim please visit one of his sites below
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