Thursday, November 29, 2012

What Do I Need To Sell My Car? What If My Registration Has Expired? What If I Still Owe Money On It?

What do I need to do to sell my car?

The time has come for you to sell your car and, naturally, you've got questions.

There are a few obvious ones -

What documents do I need to sell my car?
Can I sell my car if the registration has expired?
Can I sell a car on which I still owe money?

These questions may seem daunting, but in actual fact, the answers are fairly straightforward.

What documents do a need to sell my car?

The single key document you will need is a proof of ownership. Obviously, the state and the dealer will want to know that you are the owner of the vehicle and that you do, indeed, have the right to sell the car. The document you are most likely to have to hand is the title. If you have this, it's easy to just sign it over to the dealer. The dealer will also have all the forms to accompany the sale of a car using the title. If you do not have the title you must visit any DMV office and apply for a duplicate title by completing a Vehicle Registration/Title Application.

You'll also want to accompany the proof of ownership with an original bill of sale. This can take almost any form, as most DMVs do not supply official bills of sale. It needs to include the name of the buyer and the seller, the VIN of the vehicle in question, the date, the make and model of the vehicle and the price.

If the car is currently registered, you'll want to bring the registration documents with you. Once you have finalized the sale, make sure to remove the license plates and the registration sticker. That way you will not be liable for tickets the next owner may get.

If the car is paid off, you'll want to have the lien release document. This is a document sent by the lien-holder (usually a bank or finance company) once the car is paid off. It notes to VIN and the date of the final payment and officially releases the car from the lien. You can still sell the car if there is money owed on it (see below)

Almost all other paper work related to the sale of a car can be provided by the used car dealer.

Can I sell my car if the Registration has expired?


If the car is not registered or you cannot find the registration, a visit to the DMV will help. There you can get a Vehicle Registration/Title Application, or a Certification of Registration for Transfer of Non-Titled Vehicle. You could also use an original Affidavit of Sale or a Manufacturers Certificate of Origin. In some situations you can use an expired registration certificate.

Each state is has different rules about the finer points, but the answer to the question is yes, you can sell an unregistered car or a car for which you do not have the tags. The dealer will be able to help you figure out exactly which form you can use.

Can I sell a car on which I still owe money?


The dealer will arrange to pay off the money due on the car. This money will be deducted from the amount given to you for the car. Thus, if you agree on a price of ,000 for the car and you still owe ,000 on it, the dealer will pay you 00 and give you the remaining 00. You'll need to bring along the paperwork relating to the loan if you can. The payments coupon book will do, or at a minimum, you need to know that name of the institution which is financing the car. They will be able to look up the car by the VIN and then figure out the exact amount due.

Of course, the amount will be less than the figure in your coupon book. That's because you will be paying it off early and therefore paying less in interest. Cars which are still on lease are handled in much the same way. This is one of the great advantages of selling your car to a used car dealer. Because this is all they do, they are experts in doing business with the financiers and are able to get the paperwork done much more quickly. Often, when it is time to sell your car, the whole transaction can take as little as fifteen minutes.

A long-time New York used car dealer has a useful article about when it's time to sell your car. Most reputable dealers will make sure that everything is in order before you walk out, but this checklist will help you get to that point.

Saturday, November 24, 2012

Have You Been Searching For ESL Jobs Abroad and Have Not Found a Position For You?

Are you an English teacher who has been looking for career changing ESL jobs so you can be free of the classroom forever?

Or maybe you are an English teacher who is searching for ESL jobs that would allow you to teach from the comfort of your own home or one on one with your students.

You don't have to be a genius to realise that in the traditional world of classroom teaching these jobs just do not exist.

But if you are smart and know where to look these jobs do exist, they are all there on the internet.

All you need to tap into dream ESL jobs is a laptop computer and a dedicated internet connection.

Then with a bit of knowledge about the correct steps needed to find ESL jobs online, you will be set to tap into your ultimate ESL teaching position.

Every day more and more switched on ESL teachers are discovering just how liberating it is to be able to teach online.

Just think how good it would be to be able to teach wherever and whenever you want.

To be able to earn up to - and in many cases much more - per hour.

Not to have to go through homework, put up with students who do not want to learn, forever falling school budgets, parent teacher nights etc, etc, etc.

Are we starting to see the possibilities here?

If you are already an ESL teacher, you know only too well that English is the de facto second language of the world and the language for educated people everywhere.

Just the fact that people can speak English opens up countlessopportunities of social and economic opportunity. And do you know what?

As an ESL teacher you are in the perfect spot to tap into a world where ESL jobs teaching wealthy businessmen and other people keen to learn how to speak English are there for the taking.

And the best thing is that from the first lesson you will be communicating with your students entirely in English.

Like thousands of other teachers around the world who have opened their eyes to the possibilities that the internet has created for teachers, you will love your newfound employment freedom.

No more waking up at 6am for the daily grind in peak hour traffic to school.

No more trying to keep your energy up for another difficult week of teaching.

No more going home to spend long hours going through homework from students who have had no interest in what they have been doing.

Instead you will be able to get out of bed whenever you want.

You will be able to organise ESL jobs whenever you want in the day from anywhere in the world.

And the best thing about teaching online? You only ever teach one student the entire time.

You can as a result make absolutely sure that your student understands what you are teaching.

That way you get results, your students are happy and the money just rolls in.

When the day's teaching is over just close your laptop and your time is your own - ESL jobs are that simple.

Friday, November 23, 2012

Bad Credit Classic Car Finance: The Essence Of Feeling Classic

Some people are prone to buy classic things and this is, indeed a great hobby since antiques tell the story of our ancestors. But, buying a classic car is a costly thing and everyone was not capable of buying a classic car before. However, having not enough funds for your classic car buy is no more a problem and has itself become a vintage problem which is now aptly erased by bad credit classic car finance. Bad credit classic car finance approves car finance for the bad credit holders too which has allowed now everyone to buy the classic car of his choice. So, drive on with elegance borrowed form bad credit classic car finance. But, before that, let's have a brief overview of what does bad credit classic car finance mean exactly.

Bad credit classic car finance is available for bad credit holders who are seeking finance for buying a classic car. The classic car can be of any model of any age, you can have it through finance available in bad credit classic car finance. And, bad credit classic car finance is available in both secured and unsecured formats. If you want to have cheap rates and more flexible terms you can opt for secured bad credit classic car finance where your car plays the collateral and assures the security of the lender's money which in return allows you to have better benefits. But, unsecured option of bad credit classic car finance has got its own benefits. It works as really a lucrative deal for all those who have got problems in pledging collateral for their car finance.

And, it is the availability online which makes the bad credit classic car finance really lucrative enough since most of the lenders of bad credit classic car finance are flocking the online arena where the rate of classic car finance remains cheap enough because of the competition among them. It's really a classic feeling to own a vintage car. So, grab it soon with aids from bad credit classic car finance.

Wednesday, November 14, 2012

The Top Three Methods To Get Your Home Sold

If you are trying to sell your house, you can probably recite the three ways you can sell a property. You are aware of them because you are knee-deep in the selling process. However, if you are just at the beginning stages of putting your house on the market, you may have questions about the three methods and which one will be the right one for you. Here is some quick information on the three ways and you can make the final decision based on these facts.

Real Estate Agent/Broker- This is the most common way to deal with a real estate transaction. Because the agent is knowledgeable about real estate, they can help determine the best price, actions for a success, and even provide you with the contracts and paperwork. While this method may seem like the easiest way to sell a house that is not always the case. You are completely dependent on the agent and even if you provide a buyer, the agent will be paid. You could do more than 80% of the work, yet you still have to pay a commission to the agent who did the rest. This can seem unfair to many sellers because many times the listing price has to be lowered to be accommodating to buyers in this market. It may be necessary for you to pay the agent commission out of your own pocket or to balance the lowered price with concessions taken from the overall profit you stand to make. Not only can this feel unfair, it may not be financially possible for you at the time.

An agent is a great option when you are in another city or travel. If you cannot arrange the showings and the questions, the agent can take over and be your representative. Even if you find a buyer, the agent will arrange the showing, the paperwork, and you will feel as though they have done their job and should be paid. If you are not a people-person and do not want to work with other people, you should probably hire an agent to help you.

For Sale by Owner- This option is becoming more and more popular. With the increase in inventory, having an agent that will do their best for your property is getting harder and harder to find. They are swamped with listings but can't devote their time to each one. You may not even be able to get an agent to host an open house. You could easily do the work and use a lawyer for the contracts side of things. The cost of a lawyer for the real estate contracts will be minimal. When you find a lawyer who practices exclusively in real estate law, they will have available contracts and will just merely have to personalize them for your situation. This will take only a couple hours and that price in comparison to a commission for an agent is minimal. You will definitely save money by using this option but if you not around due to work or travel obligations, this is not a good choice for you. When you do a FSBO type of sale, you have to be able to have showings, answer questions, and have the ability to work with potential buyers. If your work or life keeps you too busy, this would not be the preferred method for you.

Investor or Investment Company - This is an option that many people may not consider. There is a fear of the unknown and this process is not as well-known as the traditional ways. Many sellers feel that this option is only for those properties that are "ugly" because they have seen signs stating "we buy houses." In reality, investors like any and all types of houses. If a house is in good condition, they can turn it around in a shorter amount of time and while the profit may not be as large, it can give them leverage for other, future deals. Don't discount this option because you don't know much about it. It can be the fastest way to sell your house and give you the highest dollar amount as well. Just because you use the other methods, you are not guaranteed the listing price you want. You may have to lower the listing price and wait around a lot longer than you had planned. This basically means every day you are losing money so why not start off with an investment company and move on quickly?

Thursday, November 8, 2012

Advantages And Disadvantages Of Lease Option Real Estate Investing

Lease option real estate investing is a creative way to get started in real estate investing. The biggest advantage of this investing method is "control". It basically gives the investor the right to possess-- be in control of-- and profit from a property without owning it.

A lease option contract is a combination of two documents. The lease part is where the owner agrees to let you lease their property while you pay them rent for a stated period of time. During the lease period the owner can not raise the rent, rent it to anyone else, or sell the property to anyone else.

The option part represents the right you purchased to buy the property in the future for a specific price. If you decide to exercise your option to buy, the owner has to sell it to you at the negotiated price. The option part of the contract obligates the seller to sell to you during the option period- but it does not obligate you to buy. You are only obligated to make rental payments as agreed during the lease period.

When the lease option contract is written and structured properly, it can provide tremendous benefits and advantages to the investor. If the lease option includes the "right to sub-lease" the investor can generate a positive cash flow by renting the property to a tenant for the duration of his lease, or lease option the property to a tenant-buyer for positive cash flow and future profits. If the lease option includes a "right of assignment" the investor could assign the contract to another buyer for a quick profit.

Lease option real estate investing, is a flexible, low risk, highly leveraged method of investing that can be implemented with little to no money.

High Leverage

It is highly leveraged because you are able to gain control of a property and profit from it now--even though you don't own it yet. The fact that you don't own it also limits your personal responsibility and liability. Only if you decide to purchase the property by exercising your "option to buy" would you take title to the property.

Little to no money

The investor's cost to implement a lease option agreement with the owner requires little to no money out of pocket money because it is entirely negotiable between investor and owner. There are a variety of ways the option fee can be structured such as an installment plan, balloon payment or other agreeable arrangement between both parties. The option fee can even be as little as .00. In order to secure the property for purchase at a later date, tenant-buyers typically pay a non-refundable option fee of approximately 2%-5% of the negotiated purchase to the seller. Depending on how the lease option agreement is written and structured, the investor could possibly use the tenant-buyer's option fee money to pay any option fee owed to the owner.


It is a flexible method of real estate investing because terms of the agreement like payment amounts, payment dates, installments, interest rate, interest only payment, balloon payments, purchase price and other terms are all negotiated between seller and buyer. Responsibilities of both parties are also negotiable. For instance, if the investor doesn't want to act in the capacity of a landlord, he could specify in the lease option agreement that tenant-buyer will be responsible for all minor maintenance and repairs and the original seller will remain responsible for any major repairs.

Financially Low Risk

It is low risk financially. If the property fails to go up enough in value to make a profit, you have the purchased the right to change your mind and let the "option to buy" expire. Even if your tenant-buyer decides not to buy the property, you have profited by a positive monthly cash flow from the tenant-buyer's rent payments and upfront non-refundable option fee.

Let's look at an example of a lease with option to buy structured in a way that the investor profits in 3 separate phases of the investment.

Profit #1 non-refundable option fee

Future sales price negotiated with the current owner is 5,000 with an option fee of 2% of the sales price. Option Fee you owe the owner is ,500. The future sales price you set for your tenant-buyer is 5,000 and the option fee is 4% of the sales price. Option fee the tenant-buyer owes you is ,200. You collect ,200 from tenant-buyer and pay ,500 to the owner and your profit = ,700

Profit #2 cash flow from monthly rental payments

The Monthly rental payment you negotiated with the owner is ,000. You set the monthly payment at ,250 per month for your tenant-buyer. Each month you collect ,250 from your tenant-buyer and pay the owner ,000 each month. Your profit is 0 monthly positive cash flow during the lease period.

Profit #3 is set up when the lease option contract is initially written

The difference in the negotiated future purchase price with the owner and the future purchase price set for your tenant-buyer. Let's say the property goes up in value to appraise for at least 5,000. Your tenant-buyer decides to exercise their option to buy. You buy the property from the owner at 5,000 and then sell it to your tenant-buyer for 5,000. 5,000 - the 5,000 you pay to the owner = ,000 profit.

Of course the key to making lease option real estate investing work, is finding motivated sellers and buyers. Finding these motivated sellers and buyers shouldn't be difficult. The continuing down turn in the real estate market has created a large number of sellers who can't sell their property and also buyers who can't get financing to buy. The seller could possibly get a fair offer to be paid in the future by selling their property to a real estate investor on a lease option basis. A potential tenant-buyer could obtain home ownership without having to qualify through traditional home loan guidelines.

One disadvantage of lease option real estate investing involves the tenant or tenant-buyer possibly defaulting on monthly rental payments. This would make it necessary for the investor to come up with money out of pocket to pay the owner and possibly have to proceed with eviction process. However, there are certain provisions and clauses that can be written into the lease option to deter buyers from defaulting on payments.

If the investor fails to do "due diligence" before entering into a lease option agreement, he could end up with a property that is unmarketable. There could be a number of liens on it, issues involving ownership of the property or it might be in foreclosure. By diligently performing research before entering into a lease option agreement, the investor can avoid these mistakes. A few things the investor could do is-- perform background and credit checks on both the seller and buyer, search public records in reference to ownership and property status, or do a title search.

Despite the few disadvantages, lease option real estate investing continues to be an excellent way to invest in real estate with little to no money and low financial risks. It also remains to be an excellent way to gain control of a property you don't own and create positive cash flow and profits on flexible terms.

Bottom line, the secret to success in today's challenging real estate investing market is to use only the best creative ideas, proven tools and strategies that have been successfully used by other investors to generate cash flow and profit from today's real estate market. The more you understand and apply now, the more you will profit from today's financial crisis.

Monday, November 5, 2012

Credit Card Bin Search For A Secure Finance Future

Bank identification numbers are used by banks and financial insitutions for making the credit, debit and charge cards unique. The BIN or IIN provides a personalized ID for the card. A credit card bin search can yield the details of issuing authority along with that of the cardholder. Whenever you make purchases whether online or direct, the credit card bin search ensures the accuracy of the card through these six digits.

Cards are used heavily for purchase of goods and therefore identity thefts with these cards have become more common. Although this method offers unlimited, easy and convenient access to the funds, the financial frauds associated with the use of such cards is on the rise. Therefore security of personal data and finances have become the top priority for customers as well as businesses.

Verifying the customer credit card information requires accurate credit card bin search and therefore comprehensiveness and accuracy are the most sought after qualities for a credit card bin. In order to efficiently conduct a credit card bin search, it is often advisable to get the best tool.

The credit card bin search offered by free tools are often limited like limitations imposed on number of searches, incomplete or partial database etc. Licensed versions do take care of these aspects, however cost a little high. Add on tools such as compatible security solutions, accounting packages etc may further increase the cost. Investing in a high cost version will be profitable as far as the credit card bin search using an up-to-date and user friendly bin database helps to alleviate the risks of financial fraud

Programming language used in the construction of bin database needs to be convenient and latest so that any modifications can be done without much hassles. The best results are often achieved with a combination of recent software and genuine sources of data. Data needed for the credit card bin search can be obtained from computer generated lists, user created contents, firms who process credit card payments, and the service providers.

The data as obtained from service providers tend to be more accurate. The American bankers association maintains such a database. However membership to association and access to data is restricted. A credit card bin search with bin database solves this issue by providing the latest information on credit cards with accuracy.

It doesn't matter how much the quantum of transactions of the business are, but what really signifies is the nature of transactions. If the firm relies on online nature of business, then a credit card bin search is a must have and therefore getting the latest bin database is necessity than a luxury.

Free versions do have their limitations. The commercial ones may not be what they claim to be. Hence it is better to check the rants and ravings before you finalize on the type of bin database for your business.

A reliable security system for finance is therefore as essential as a good accounting package. Like the antivirus definitions which protect your business data, the credit card bin search with the perfect bin database can solve all your financial dilemmas.

Saturday, November 3, 2012

Small Business Grants In Alberta

Alberta small business grant can be obtained for purchase of equipments, renovation of the premises or to expand the existing business. The applicant can just feel that the grant is with him by just applying for the same with the Alberta or the Canadian government.

The government grant is very important to help in the launch of Valerie Marquardt and for the VIP medical services in Spruce Grove, Alberta. The cut offs for the applications varies between the programs and there will also be a key deadline for it. One can thus look for the government grants to commence the business. The small business finance centre will assist the people to learn about the federal programs and will make them as bosses.

Extremely qualified and skilled people are the vital elements for the successful economy. Giving all the Albertans with reasonable access to the good quality learning chances will make sure that the Albertans have the skills to be successful in the professions chosen by them. The Alberta provincial government has dedicated in giving Alberta an aggressive edge by breaching up the province to the national and international markets. According to report of CIBC bank world market 2006, Western Canadian provinces like Alberta escorts the way in the small business formation in Canada. This guidance may also result as a division from the option of innovative financing and the grant programs that are geared towards making a good foundation for the proprietors. Giving the small business with the grants and other financial support fosters an atmosphere of economic empowerment and the independence required for strengthening the economy.

The innovation vouchers of Alberta assists the businesses that are knowledge driven and with small technology in marketing their ideas and products. The businesses that are in the growing stage like health care, environmental clean energy and bio-technology can get the grants up to 000. The self employment program also gives the individuals who are not employed with the training in the development of the business plan, one to one counseling for the business, guidance, follow up and coaching during the implementation of business plan.

The grant program of growing forward business opportunity gives grant to the agricultural producers, small agribusinesses and to the farmers to gain knowledge in expanding their businesses. The recipients can utilize the grant to a value of about 000 for hiring the contract services like individual risk management consultants, market researchers and also business analysis consultants to assist them in investigating and planning the ventures for the new business.

The Alberta government grants are also available to the child care providers with valid license through the space creation innovation fund. The grant will be given for an amount up to 00 for the space created per child. The providers of child care can utilize these funds to off set the costs towards business planning, purchase of supplies, toys, equipments and minor renovations.

Small Business Grant Source:
Learn the application procedures, various funding sources for specific types of businesses and eligibility criteria for small business grants. You can find the most comprehensive information on availing of small business grants by visiting this online guide on grants