Short Course on Experts – Getting to Square 1

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Get to Know Jack Halfon

Jack Halfon is a South African entrepreneur who was born in Harare, Zimbabwe. He is the largely popular as the founder of a micro-lending institution known as Atlas finance. Atlas finance has been shaped by him right into a model of responsibility, customer service and ethics. He began this business as a small business in Johannesburg, and it has since grown into one of the biggest microlending institutions in Johannesburg that has over 170 branches in South Africa. In spite of the vastness of his business, he has never lost the essence of the qualities that matter the most to his customers which are integrity and also a desire to see his customers get what they want. This is why his business has been able to lend to more than two million people since the beginning of his firm in 1994. For Jack, his clients are not any different from the members of his family. His company, Atlas Finance Ltd, gives loans of an amount of 8,000 rand or less to clients who may need to pay for household expenses, hospital bills, tuition for school, transportation costs and other debts. Halfon and his workers at Atlas Finance ensure it is possible for those who reside in several South African cities like Johannesburg, Durban Pretoria, Soweto, Cape Town along with other major cities to meet their daily expenses.

Jack Halfon went through many challenges as he tried to start his business, and thus he understands the problems that most of his clients go through. He endured several challenges and setbacks before his business could pick up. In fact, he started his business conglomerate with only 300 rand however he eventually became a successful entrepreneur in the South African microfinance sector supplying help to those people who … Read More ...

The 9 Most Unanswered Questions about Cards

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Some Things You Ought to Know About Credit Card Readers

Are you aware of how a credit card reader is able to work? Credit card readers are helpful when it comes to ensuring that your credit point of sale is accepted. They can also read and accept gift certificates, employee cards, as well as customer cards.

In the world of business of today, credit cards play a huge role in its success. Now, you can only finish business sale transactions if you make sure that the credit cards you are receiving are processed using a credit card reader. The information that a reader obtains from every credit card is important not only in passing information but also in verifying if the amount left in the credit card will be able to suffice the purchase.

If you are after knowing how a credit card reader works, it is crucial that you get a clear understanding of its foundation first.

So, how do they function?

“Will that be American Express, MasterCard, or Visa?” When making a purchase, this is typically the line that is being thrown by several merchants to credit card holders. If you are using a credit card yourself, then surely you have noticed a shiny black stripe that is on the back portion of your credit card. This particular black part is being read every time you decide to make a purchase. It possesses the necessary information that is useful in validation every transaction of yours.

Now, a central tracking and billing system will be able to take hold of the data in the black stripe as you swipe your credit card. This system is now responsible in processing vital functions such as sending your information to a particular credit card company. Once the credit card company receives confirmation … Read More ...

Your Mortgage Reports on the Current Housing Situation and Anticipated Rate Hike

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FOR IMMEDIATE RELEASE

(St. Leonards, NSW) Business Insider Australia reports that many individuals in Australia feel now is not the best time to purchase a home, as they anticipate mortgage interest rates will rise in the coming year. Sixty percent of those participating in the Westpac-MI consumer sentiment survey expressed this opinion, up from 37 percent just six months ago. Individuals who do wish to buy a home need to ensure they get the best mortgage rate possible for their unique situation, and Your Mortgage ( can be of help with this.

“Although there is uncertainty regarding mortgage interest rates and the housing market, some individuals find they need to buy a home now. This may be due to a change in employment, their current living situation or for various other reasons. For those who must move, knowing the current interest rate is of great importance,” Kimberly Banks, spokesperson for Your Mortgage ( confirms.

The Commonwealth Bank, currently the biggest home loan provider in the country, recently opted to raise mortgage rates on those investors requesting an interest only loan. It is believed that this may play a role in the fears of those looking to buy a home that all mortgage rates will increase soon. While this change won’t go into effect until April 3, 2017, people are taking notice.

“The more information a person has, the easier it is to make an informed decision as to whether now is the time to buy. People who have some control over when they move will need to talk to their lender to determine what is in their best interests. For those who have no choice but to move, Your Mortgage ( is here to ensure the best deal is obtained,” Banks continues.

The ‘time to buy a dwelling’ index fell … Read More ...

Looking On The Bright Side of Funds

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Reasons Why You Should Apply For An Online Loan.

As our Internet usage continues to grow very high, the people have a greater opportunity of using online means to get what they want. There are a couple purposes of intrigue that are joined by using the online stages to pick up advances.

The huge extra security that are brought by online development is reliably a legitimate reason inspiration to purchase or make diverse trades on the web, and this is as substantial for applying for your secured online progress as whatever else. Most of people in the world are always suspicious ordering products or services including asking for loans on the Internet, but this is a groundless fear. There is this item known as encryption which veils all data that you enter on your PC and keeps it secured until it lands at its choice. At precisely that point is the data revealed. Look out for a protocol called SSL secure socket layer, as this is considered to be the best type of encryption. Additionally, you can pay special mind to the little bolt symbol on the website page itself, contingent upon your working framework.

The costs and overheads of an online business is constantly by and large lower than that of a routine physical business, so on a fundamental level, the online business can pass their venture reserves onto you the customer. On the off chance that there are bunches of providers contending in a similar market, then this as a rule implies that costs are brought down as organizations compete for clients. Online transactions are very quick, and you can make the application for your available online loan, and you can go back to what you were doing in only a few minutes.

When you apply for your … Read More ...

The 10 Commandments of Services And How Learn More

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What Are the Benefits of Getting Online Loans?

It is a fact that the internet has been used for various purposes on a worldwide scale. Truly, the internet is one big source of information on various topics from across the globe. All it really takes for you to do is just browse through several websites that are available, and you can immediately get hold of whatever information you need. Do you know that the internet also allows a person to get loans? Yes, this is actually a fact, and they are termed online loans.

With the use of any computer, any person can apply for online loans being offered on the internet. With the people’s constant demand for convenience, it does not come as a surprise why technology is headed to this direction. This is why if you want to get a loan in the most convenient of ways without going to different places, then online loans is the answer for you.

Today, with the help of the internet, you can immediately gain access of online loans being posted in several websites. There is no more need for you to meet each online instant cash loans lender that you see. Online loan lenders come with websites that can cater to your loan needs the entire day for the entire year. Such websites are also able to provide clients a means for them to compute their credit scores for a nominal charge or even free of charge.

There are only a few number of loan lenders in the past that allow a wide range of loan options for their clients. Just so a person is able to find a good loan lender, he or she should search for each of them to be able to meet them and ask for information … Read More ...

The 10 Laws of Businesses And How Learn More

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The Notable Benefits of Mobile Order Processing

The idea of establishing an order processing system came about just when doing business became a lot more complicated. Today, it is a rather indispensable and crucial part of business processing as it is the only effective means of managing customers’ orders. In the past, it order processing was all about the pen and paper. But with the help of technology, there are now many different and very advanced systems that allow tracking, management, and facilitation of international orders. But for small and medium sized businesses, it’s challenging if not impossible to be able to invest in those expensive advanced order processing systems. But it also doesn’t mean there is no remedy. This comes in the form of a cheap yet sophisticated mobile order processing software.

So what is an order processing software and how can your business benefit from it? By definition, it’s a software system that is designed to help any kind of business save time in the order process. And because of them can be handled and operated through a mobile device, it only means that everything can be done without the need of a physical equipment. Now let’s take a closer look at the benefits of a mobile order processing software.

1 – You get to save time processing orders.

Anyone who is tasked at pushing products to be sold and closing sales know how time consuming and burdensome it is to deal with the paperwork later on. But if you invest in a mobile order processing software, there will be an automatic order form that is already set up for your business’ customers and sales people. One of the things that will allow you to save time in the processing is that you no longer have to do … Read More ...

A 10-Point Plan for Resources (Without Being Overwhelmed)

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What is Income tax Preparation? For business men, there is that time of the year that makes their gears grind since it will be another problematic day in the office since they will be doing income tax preparation. It is because income tax preparation is such a hassle for some people. But today, you will only need to choose from two things in income tax preparation and that is a very fortunate event. There will be two choices, the first will be doing it yourself and the second one will be hiring a professional for the income tax preparations. The first choice will be hard even if you can handle it since you really have to work hard to handle the business and handle the income tax preparations, that is why it is recommended to do the second choice which is hiring a professional. But actually both methods will have good points and bad points as well since the system is made by a human being and humans are not perfect. But it can be a really tough time for you to handle two jobs at once, that can really affect your health. Why not just hire a professional for that type of job. It will depend on the confidence that you have and the degree of the complexity of the return. If you have your own company or self-employed, you will have a hard time with the return especially when you move around a lot as an entrepreneur. But if you have the opposite of that like one job and no assets, the job for the professional will be easier. What is the best thing to do when you handle the income tax preparation? You have to be good with numbers if you want to handle the income tax … Read More ...

Doing Options The Right Way

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Financial Advice 2017: Your Ultimate Guide to Achieving Financial Freedom Wealth plan is the key to financial freedom, however, most people are paying experts to provide them a financial plan or investment plan instead. You may have a general idea that you already achieved an accurate wealth plan by funding your retirement accounts, saved enough for your family’s future and just assume it will work out. This is the conventional approach of wealth planning, but it leaves some degree of uncertainty, still living a room for worry whether or not you will really have enough money to do what you need to do. Realization is important basing on important factors such as enjoying your retirement before you get too old, staying home with the new baby without having to go back to work, paying your child’s college without sacrificing retirement or going into debt, switching to a more fulfilling career, and pursuing your business dream without breaking your bank account. A unique wealth plan far from the conventional approach is more effective in achieving financial freedom despite market crash and deflation that mostly cause financial collapse. When it comes to methods of achieving financial independence, you need to have a strategic integration of all major aspects of your life using proven methods in guiding you in your decision-making. You must remember that an effective wealth plan should cover all types of assets including business, real estate, and paper assets, and not merely focus on buying stocks, mutual funds or other financial products financial advisors sell. Personal financial goals are not just about money, it is about your future with your family, so you must integrate your personal life and financial life with the application of holistic solutions basing on your interests, resources and unique skills. Advanced planning with a strong … Read More ...

5 Uses For Houses

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Determine the Means to Save Money on Big Purchases

People have to make big purchases over the course of time and these often include cars, homes and holidays w]herein one has to spend more. It is important to learn the ways to save money regardless of having these three of the biggest ticket items. Here are some of the ideas that you have to take into account.

Although it can be exciting to buy a car, it can also be expensive. What everyone wants is to purchase a car that will stay long but at a good price. Getting quality at the suitable price can be fairly hard when buying a car while you have to think about the maintenance and fuel as well.

To keep the costs down, the first thing you ought to think of is the car that you want to buy. At times, a brand new car is not in fact necessary because you will lose a large amount of money quickly. It is estimated that it can lose around half its value in just its first three years, so you are pouring money down the drain.

Whether it’s old or new, you must buy a model that holds its value while thinking that manual cars are cheaper than automatics. Cars with smaller engines are cheaper compared to the bigger ones while they are also cheaper to insure. Those that run in petrol are also cheaper than diesel, but diesel is more economical in the long run.

Holidays are an additional big expense that you will pay several times because it truly requires a lot of thought to cut the cost. Spend time to sit down and consider what you want during the holiday to find out how you will spend it. It makes sense … Read More ...

Looking On The Bright Side of Options

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Making a Choice on Whether to Rent or Buy a Home

From experience, people have realized that there are pros and cons in renting a home and in owning a home. One big disadvantage for example when you rent a unit is how close your neighbours are, to the point of hearing their shouts and footsteps.

Owning a home is a common sense and smart financial decision for some because it gives them a sense of stability and freedom of the place they owned. But eventually, owning a home may not be the best action, like if you are in the Pacific Northwest, because of the costs of maintaining the property like taxes, insurance, maintenance and so on that is often significantly greater than renting the house.

In the event that you are to make a financial decision whether to buy or rent your home, there are some ways to help you make an objective decision.

First way to tell what is better, to rent or to buy, is to find out the P/R ratio or called price-to-rent ratio. This number that you figured out from the P/R ratio will give you a rough idea of the pricing placed on the homes in the area you are interested. You can get the ratio number by first get two similar houses or condos, where one is for sale and the other is for rent, and divide the sale of the one to the yearly rental of the other, and the resulting number after you divide is your P/R ratio. An expert said that if the computed ratio would result to higher than 20, then it is advisable to rent the property rather than buy it. If there is no available ratio data in your interested area, it is good to consult … Read More ...