Friday, August 31, 2012

Esources Scam

If you come across articles about esources scam, it is important to note that none of the articles provide anything by way of proof. The detractors make every attempt to pull down the reputation of the site and damage its public image. However, despite their best attempts, they have not been able to dent the reputation of esources one wee bit.

Esources is the largest wholesale directory of verified UK wholesalers, distributors, importers, exporters, dropshippers and manufacturers. They allow their members to browse through their wholesale directory and get in touch with the suppliers and dropshippers of their choice to fill the orders of their customers.

Hundreds of users of esources know by now that the esources scam is nothing but an attempt to tarnish their reputation by those whose nefarious activities have been exposed in the past by esources. It is confirmed beyond doubt that esources is the most trusted resource of verified wholesalers and dropship companies on the web today. They have over 70,000 trade distributors and 3,000 dropshippers on their extensive list, which is growing every month.

Esources scam is a joke because they verify over 3,000 new resources every month and keep the online trading community informed of the many dropship scams and rip offs on the Internet. They are dedicated to protecting the interests of traders and go through a great deal of effort to unearth scams during their earliest stages so their effect is restricted.

Feedbacks from real members of the portal reveal the immense advantages the site provides to the online trading community as compared to any other wholesale directory portal. Middlemen fearing exposure of their acts by esources cry esources scam on every forum just to create doubts in the minds of genuine users of their services.

Esources does not entertain listing requests from wholesalers who refuse to undergo their verification processes. Members are never exposed to dubious suppliers or dropshipper with questionable reputation. That precisely is the reason why the fastest growing portal is attacked by scammers. Esources have even gone to the extent of banning suppliers who do not deliver quality products and services that fail to meet the expectation of their clients. It is eminently clear that the best wholesale directory on the web is heavily in favor of buyers rather than suppliers. scam reports are an attempt to malign the site in the eyes of wholesalers and trade buyers. However, the experience of thousands of satisfied buyers and sellers reveal a diametrically opposite view of the portal. The important role that esources has played in improving their business prospects cannot be denied.

Tuesday, August 28, 2012

No Credit Check Long Term Personal Loans For 15000

Sometimes, you have to pass through financial crisis personally. Sometimes, even your family members and your kith and kin do not support you in this problem. While to meet the needs become very necessary at the moment and your relatives fish in troubled waters, at this crucial time you can take the help of no credit check long term personal loan. You can procure the loan amount in the ranges of $ 500 to $ 15000 to meet your personal needs. These needs can be in horrible form of sudden accident, current shock, forgotten electricity and water supply bills, and paying outstanding debts at the time of recovery.

You can apply online for no credit check long term personal loans for 15000. For availing the mentioned loan amount you will have to pledge property document in secured form. While in unsecured form it is not necessary. No need to visit the loan lender personally. Moreover, credit check is not involved in the process. Described all features has made mentioned loans available for bad credit holders as well as good credit holders. Your online application has some columns of your personal details and work details. As your name, address, contact number, account number etc. As soon as you fill online application and submit it then the executive of loan Lender Company can contact you within few hours of applying with surprising news of fast approval of your loan application form.

After making normal inquiry about your provided details the loan amount is deposited into your mentioned bank account same day within few hours of applying. You can procure amount from your account same day or next day to use. This loan amount can be used according to your needs and requirements. But you will have to mention the purpose of your loan taking in your online application form. Loan repayment is ranges 3 to 10 years from the date of approval. You can get extended your due date. Interest rates are different in secured form and unsecured form. You will have to pay higher rate of interest in unsecured form of no credit check long term personal loans for 15000 in comparison of secured loans.

Monday, August 27, 2012

The Chicken Or Egg Approach To Acquiring A Home Loan

People often need to know what happens first - do you first search around until you find your dream home and then obtain a home loan, or do you first obtain a home loan and then start to look around?

For me personally it might make sense to first obtain a home loan to see just how much I actually qualify for, before starting with the big house hunt. It would make no sense falling deeply in love with the most amazing, perfect house ever. and then be told that I only qualify for a 3rd of the loan amount!

Nonetheless, in order to actually apply for home loans, a bank or other loan company would require seeing an offer to buy. This document is confirmation that you are really thinking about buying the house for which you want to get a home loan for.

When you think about the above, it is really a catch 22 situation. You can't set your heart on a property unless you find out what the size of your awarded home loan would be, but you cannot determine what your actual home loan amount will be without selecting the house first. It is really a case of which was first - the chicken or the egg?

The good news is, you'll be able to at least get a basic idea of the home loan amount you qualify for. There are many home loans calculators available on the internet which can assist you with a basic calculation. You only have to enter your total income monthly, the interest rate presently and the period you want to pay the loan off over, and you will be provided with 2 figures: The maximum amount you qualify for and your monthly bond repayment should you decide to obtain the maximum loan.

This is however no guarantee that you will be awarded the home loan. A home loan application is quite a lengthy process and everything from your monthly expenses to your financial history and criminal records get looked into in the finest detail.

Some financial institutions offer the option of pre-approval for home loans. They will basically complete the whole home loan application with you, and once you are approved for a certain amount you have a specific time period in which to find and purchase a house.

As with all other things that cost a lot of money, it is very important do proper research beforehand. Not all lenders will offer you the same rate of interest for example. Some will suggest a set interest rate and others a variable interest rate. Other companies might offer you a payment holiday (where you don't have to pay for a number of months in case of unexpected circumstances), other institutions will frown at the idea.

The most important thing is to go with a well-established house loan company to assist you with this exciting purchase. Speak to friends and family and get several referrals before making your decision. Buying a house is a huge accountability - make sure that you are properly prepared!

Saturday, August 25, 2012

Leasing Retail Space - Terminating The Lease

Who Pays When Operating Expenses Increase?

Expense escalations are relevant when the landlord is paying a base level of expenses and when the tenant is paying expenses. With a typical gross lease, the landlord pays all expenses and the tenant pays expenses in excess of a base level. (Gross leases are atypical for retail.) The base level is typically the operating expenses for the year the lease is signed. The "expense escalations", would be expenses in excess of this base level which the tenant is responsible for paying.
Caps on Increases?

Some leases also provide a cap on increases in expenses. To provide more certainty for the tenant's cost of occupancy, the tenant may request that property tax increases do not exceed 5% in any year. Property tax increases can be enormous in some states. For example, initial property tax assessments in Texas for retail buildings have increased by 20% to 100% for many retail building owners. In many cases, these large initial assessments have been successfully reduced to a level much closer to the prior year's value.
Cap Example

However, the property tax assessment process can be arbitrary at times. If the property taxes did increase by 20% or 100%, the landlord would be responsible for the increase in excess of 5% for the example given. There are also sometimes expense escalation caps for utilities, insurance, total expenses and other items.
Co-tenancy Termination Clause

A co-tenancy clause for retail defines a tenant's right to terminate the lease if another tenant ceases operations. For example, consider a grocery anchored neighborhood shopping center. Let's assume Kroger's, a nationally known grocery retailer, is the anchor. Bob's dry cleaner store decides to lease space in the center because it believes the Kroger versus will draw all a large volume of traffic. There's an agreement to pay rent commensurate with the traffic which should be generated by Kroger. However, five years after the center is built Kroger decides to "go dark".
Can You Terminate the Lease?

In other words, it ceases operations at this location. A co-tenancy clause would provide Bob an option to terminate his lease. There will typically be a defined period for terminating the lease based upon the co-tenancy clause.
Eminent Domain

Eminent domain is the right of government to take private property. Historically, eminent domain was limited to taking private property for public purposes. However, the US Supreme Court expanded eminent domain to include taking private property for private uses. In most cases, property owners are compensated for "takings" through eminent domain.
Eminent Domain Issues

Issues related to leasing retail space include who retains compensation for a leasehold estate, what happens if eminent domain takes an amount of parking which makes operation of the Senate set retail center impractical and are there any rent abatements during construction related to a partial taking of the retail center.
Leasehold Estate

A leasehold estate is a tenant's interest in real estate obtained through a lease. A leasehold estate becomes meaningful when contract rent is substantially lower than market rent. Having the right to use retail space for a payment well below market rent has value. In the event of a complete taking up (when the government takes the entire retail center) the lease needs to address proceeds of the tenant's leasehold estate. Do they belong to the tenant or to the landlord?
Partial Taking

In any "partial taking", the government only takes a portion of the retail center. This may or may not include any portion of the building. For the sake of discussion, let's assume a retail center with 10,000 ft. and 50 parking spaces. The 50 parking spaces are in two rows of 25. One row is along the street and one row is along the front of the building. The current amount of parking is just barely adequate. The condemnation will "take" the 25 parking spaces along the street. This leaves the property with only 25 parking spaces, or about half of what is necessary. The lease needs to define the rights and responsibilities of both the tenant and the landlord in event of a partial taking.
Pay Rent During Road Construction?

Consider addressing the payment of rent during road construction related to eminent domain. Most leases are silent on this point. In many cases, the loss of business due to construction is not compensated. The landlord must pay his expenses and mortgage payment during construction. The tenant's sales often decline precipitously during construction. There is no easy answer to equitably address this issue.

The Market Research and Consulting division of O'Connor & Associates provides information necessary to make decision to commercial real estate professionals. Occupancy and Rental Data, ownership and management information are routinely gathered for four major land uses multifamily, office, retail and industrial. This information allows investors to compare competitive properties, facilitate business decisions and track market and submarket performance.

Friday, August 17, 2012

Nature And Introduction Of Investment Decisions

An efficient allocation of capital is the most important finance function in the modern items. It involves decisions to commit the firm's funds to the long term assets. Capital budgeting or investment decisions are of considerable importance to the firm since they tend to determine its value by influencing its growth, profitability and risk.
The investment decisions of a firm are generally known as the capital budgeting, or capital expenditure decisions. A capital budgeting decision may be define as the firm's decisions to invest its current funds most efficiently in the long term assets in anticipation of an expected flow of benefits over a series of years.

The long term assets are those that affect the firm's operations beyond the one year period. The firm's investment decisions would generally include expansion, acquisition, modernization and replacement of the long term asset. Sale of division or business is also as an investment decision. Decisions like the change in the methods of sales distribution, or an advertisement campaign or a research and development programmed have long term implications for the firm's expenditures and benefits, and therefore, they should also be evaluated as investment decisions.

It is important to note that investment in the long term assets invariably requires large funds to be tied up in the current assets such as inventories and receivables. As such, investment in fixed and current assets is one single activity.

The following are the features of investment decisions,
The exchange of current funds for future benefits.
The funds are invested in long term assets.
The future benefits will occur to the firm over a series of years.
Importance of Investment Decisions
Investment decisions require special attention because of the following reasons:
They influence the firm's growth in the long run
They affect the risk of the firm
They involve commitment of large amount of funds
They are irreversible, or reversible at substantial loss
They are among the most difficult decisions to make


The effects of investment decisions extend into the future and have to be endured for a longer period than the consequences of the current operating expenditure. A firm's decision to invest in long term assets has decisive influence on the rate and direction of its growth. A wrong decision can prove disastrous for the continued survival of the firm; unwanted or unprofitable expansion of assets will result in heavy operating costs to the firm. On the other hand inadequate investment in assets would make it difficult for the firm to compete successfully and maintain its market share.


A long-term commitment of funds may also change the risk complexity of the firm. If the adoption of an investment increases average gain but causes frequent fluctuations in its earnings, the firm will become more risky. Thus, investment decisions shape the basic character of a firm.


Investment decisions generally involve large amount of funds, which make it imperative for the firm to plan its investment programmers very carefully and make an advance arrangement for procuring finances internally or externally.


Most Investment decisions are irreversible. It is difficult to find a market for such capital items once they have been acquired. The firm will incur heavy losses if such assets are scrapped.


Investment decisions are among the firm's most difficult decisions. They are an assessment of future events, which are difficult to predict. It is really a complex problem to correctly estimate the future cash flows of an investment. Economic, political, social and technological forces cause the uncertainty in cash flow estimation.

Wednesday, August 8, 2012

Home Loans With Bad Credit: Get A Legit Loan In Three Easy Steps

There are not many aspirations greater than the hope to one day own a home. For many people this opportunity is considered the pinnacle of success. However, for those who suffer with bad credit, finding the means through which to finance a home loan seems impossible. Is there a way to find a legit home loan with bad credit? The answer is yes.

Why Buy a Home

People with bad credit feel that their prospects for home ownership are rather limited. They feel trapped by the stigma of bad credit. Home loans always seem too far out of reach. Yet, the process is easier than many people might think. In three easy steps, anyone with bad credit can be on the path to owning a home, achieving success and get on track to the greatest and simplest way to build wealth.

Step One: Down Payment

Many people mistakenly assume that only credit is considered when looking for a home loan. However, that is far from the case. In fact, gaining a home loan requires more than just good credit, it requires a down payment on that purchase. By saving a large sum of money for your home, you show lenders that you are serious about buying and they are confident in your ability to manage money how else can you save for a down payment?

To find a home loan with bad credit, it is essential to have a large down payment saved. Generally, this means that you want to have a minimum of 20% of your purchase price in cash at closing.

Step Two: Know Value

Another important factor of getting any home loan, with bad credit or good credit, is the principle amount of that loan. In other words, the less money you ask for, the more likely you are to get it. Therefore you need to consider both the asking price for the home you want to buy and its actual value. Make sure you have an independent assessment done of the home that assures you that you do not pay more than the fair market value for that home. Also, do not be afraid to haggle and shop around. When you have bad credit, home loans are more difficult to find. Therefore, you need to be more open to different possibilities and try not to fall in love with just one home.

Step Three: Get the Best Rate

The final step to getting a home loan with bad credit is to make sure that you look at a number of lenders before signing on the dotted line. Internet lenders generally are your best resource for loans with bad credit, however, the deals that each offers you will be very different. Ask at least three different lenders to give you an offer and then compare all the rates and fees associated with their package in order to find the one that best suits your budget and needs.

Get a Home Loan Now

As you can see, bad credit is not a complete barrier to finding a home loan. Following the three steps in this article will put you on the path to finding the legit home loan you need, despite your bad credit, and put you on the path to the home ownership you have always wanted.

Sunday, August 5, 2012

Failed Vasectomy

A vasectomy, sometimes known as 'male sterilisation', is a safe and permanent method of male contraception. While success rates are very high, there have been occasions where a man has conceived a child after having a vasectomy procedure. If it is found that this was the result of medical negligence, then it is possible to make a claim for the emotional stress this has caused.

How Does The Vasectomy Procedure Work?

A vasectomy is a quick and simple procedure that is performed under local anaesthetic, either at a GP surgery or a Surgical Day Clinic. A surgeon will make incisions to your scrotum in order to access the vas deferens (the tubes that carry sperm out of your testicles). These will then be cut and a section removed, meaning sperm will not be able to pass into the semen upon ejaculation. The incisions are then sutured with dissolvable stitches, which usually disappear within a week.

After the operation patients are normally discharged the same day, and are able to return to work within a couple of days. To help aid recovery a good level of hygiene should be maintained, while tight-fitting underwear will help provide support to the scrotum.

Why Might A Vasectomy Fail?

While considered an effective form of contraception, there is a small chance a vasectomy will not work. A failed vasectomy is considered to be either short-term or long-term:-

1. Short-term failure.

After a vasectomy operation, sperm remains in the vas deferens, meaning a man will remain fertile. The amount of time it takes to be clear of sperm will differ from case to case. Thus it is only when tests have been done to confirm semen is free of sperm can it be certain the vasectomy has been successful. Medical staff should therefore advise you to continue using other forms of contraception until at least two tests show sperm is no longer being ejaculated.

2. Long-term failure.

If sperm is still being ejaculated more than six months after the vasectomy, then this is deemed a long term failure. In rare events, this failure can be attributed to the vas deferens naturally rejoining (known as recanalisation).

Failed Vasectomy and Medical Negligence.

However, a vasectomy may also fail because medical professionals have acted negligently. This may because:-

* The surgeon did not perform the procedure correctly;

* Medical staff failed to give appropriate post-operative advice eg. contraceptives should be used until the semen a clear of sperm.

If you have suffered a failed vasectomy because of medical negligence, you need to contact a legal expert to discuss your options. After speaking to a medical negligence solicitor, you may decide to make a claim regarding the poor standard of care you received. If successful, you will be awarded compensation for your damages. This can cover factors such as the cost of a second vasectomy, the emotional stress of an unwanted pregnancy, and expenses for the upbringing of an unplanned child.

Copyright (c) 2011 Julie Glynn

America's Oldest Dividend Paying Stocks - Part 2

In Part 1 of this series we listed the oldest dividend paying stocks in the U.S. In this article, we'll try to sort out which ones have the best history of paying dividends, and, which ones might be healthy enough to actually invest in. Here are the members of this "Old Timer's Club":

LORILLARD - 1760 - Consumer Goods

BANK OF NY 1784 - Bank??

CIGNA - 1792 - Insurance??

WASHINGTON TRUST - 1800 - Community Bank??

DUPONT - 1802 - Industrial Diversified? Chemicals

COLGATE-PALMOLIVE - 1806 - Consumer Goods??

VALSPAR - 1806 - Industrial??

JOHN WILEY & SONS - 1807 - Publishing??

HARTFORD GROUP - 1810 - Insurance??

CITIGROUP - 1812 - Bank??

YORK WATER - 1816 - Utility??

So, which of these companies has the safest dividend? This is a question with many answers.

As we noted in the 1st article, York Water, (YORW), holds the record for consecutive dividends, having paid 553 consecutive dividends during the 193 years since it was founded in 1816. Their record is certainly impressive and offers some safety. Here's how they fare in their peers in the broad utility group:

Quick Ratio: .72 puts them in the top rung

Debt-to-Equity: Their 1.35 is the approximate median for this metric

Price-to-Book: At 2.4, their P/B is one of the highest in their group

Dividend Payout Ratio: 84%. Almost in the middle, but this figure ranges from 60 % to 236 % for this group.

Dividend Yield: 3.4% This is near the bottom for Utilities as a whole, as this broad group ranges from 3 % up to 8% +. However, looking at the narrower, water utility group shows a much narrower range, of 3 to 5%, with most companies being around 3%.

All told, YORW is a steady dividend payer that could add stability to your portfolio, particularly if the dividends are reinvested.

Dupont Nemours, (DD), has certainly had a wild ride in the past year, ranging from a high of .03 to .81. It's currently at .60 and yields over 6.7%. Here's a look at some other metrics:

Dividend Payout Ratio: 114%. Payout ratios this high are usually a warning signal, but, looking further, we see that DuPont's EPS forecast for 2010 is .05, which, if correct, would bring their payout ratio back down to 80%, which is still higher than the bottom third of the diversified chemical group, but much better than the top third.

Quick Ratio: 1.26 is the 2nd highest in their peer group.

Current Ratio: 1.87 is near the middle of their group.

Dupont's Price/Cash and Price/Book are currently both a bit on the high side, so, you may want to either wait for a pullback, or, try selling puts to get a cheaper price.

October .50 puts, (DDVT), are currently bid at .25, which equaling a 20%-plus annualized yield, and a breakeven of .25.

Alternatively, you might try hedging your bet by buying shares and then selling .00 January 2010 calls, (DDAE), which currently show a .30 bid, which equals an 18% annualized yield.

In addition, you'd receive $ .82/share in dividends during this period, as there are 2 ex-dividend dates before the call option expires.

Adding in this dividend payout brings this covered call trade's "static" yield to 24.4% annualized, and gives you a .48 breakeven.

Since your basis is .60, and the call strike price is .00, you'll have one other potential profit on this covered call: If the stock's price rises to or past .30 at or near the Jan. expiration date, your shares will be assigned, (sold), at .00, the strike price, giving you an additional $ .40/share in profit.

This potential assigned profit brings your total potential profit up to .52/share for this 6-month + trade, (over 27.5 % annualized).

In part 3 of this series, we'll look at more of America's oldest dividend paying stocks, and try to ferret out some more possible trades.

Disclaimer: This article is written for informational purposes only, and author will not be held responsible for omissions or errors, or for acts taken by third parties as a result of reading this article.

Saturday, August 4, 2012

90 Day Payday Loans Free Helpful Article

If you are looking for information about 90 Day Payday Loans, you will find the below related article very helpful. It provides a refreshing perspective that is very related to 90 Day Payday Loans and in some manner related to Unsecured Loans, Payday Loans Info, Impact Cash Payday Loan, Payday Loans Without Faxing, Quick Pay Loan or Long Term Loans. It isn't the same old kind of information that you will find elsewhere on the Internet relating to 90 Day Payday Loans.

The good point about payday loans is that they are easy to get and offer the ability to get money quickly. Because many people live by paycheck to paycheck and do not have savings, they often need to turn to payday loans for those unexpected monetary needs. In this case, it is often necessary to get these loans to make ends meet.

One notifies the company when one will next be paid, so that the loan amount can be deducted from one's account. In case one finds it difficult to pay back the loan on the due date, one can always ask for an extension, but on the first three extensions a minimum charge is levied.

Low-cost payday loans are a significant way of getting extra money to cover unforeseen expenses. If you need cash urgently, and you're considering several options to get it, a payday loan company provides you with ultimate service. The key to getting rid of high fees and keeping the loans economical involves borrowing small amounts of money and more importantly repaying on time. If you are not aware about online options, it is advisable to get accustomed with it, as they give you a much lower cost payday loan as compared to traditional lenders.

SIDEBAR-- If you have the patience to go through the remainder of this article related to 90 Day Payday Loans you will certainly learn one or two things that will prove very helpful to you. Keep right on reading and be well informed about 90 Day Payday Loans and other related Payday Paycheck, Instant payday loan, Credit Card Funding, Payday Loans to Apply Online, Instant Approval Cash Loan and Low Cost Pay Day Loan information.

In today's 21st century economy people spend more than what they have in their pockets. Thus, a Payday Loan has acquired a place of extreme importance. Voluntarily or involuntarily many people spend whole amount of their salaries before their next payday. This can happen because of a variety of reasons. For instance, if there is any contingency it might become mandatory for us to spend whatever we have, and we may still require more money to meet our daily expenses, to pay our monthly bills or the monthly installments of our loans. In this situation, we may opt for a payday loan. A payday loan may help us to avoid falling behind in our commitments, and to maintain our credit score and credit rating.

An alternative way of tiding you over until your next salary is to use a credit card, both for purchases and cash withdrawals. There are several problems with this, including the fact that credit cards are an expensive form of borrowing, and it's tempting to build up a large balance which can have a disastrous effect on your long term financial health.

If as related to 90 Day Payday Loans as this article is, and it still doesn't answer all your needs, then don't forget that you can conduct more search on any of the major search engines like to get more helpful 90 Day Payday Loans information.

Generally, the payday cash advance loans can extend to time of two weeks but some extend the loans up to 18 days. If the set time of the settlement comes around and the borrower does not have the needed funds to reimburse the respective credit, he can roll over the advance to the next paycheck by just paying the loan fee. Thus this way it can go into a never-ending cycle.

Many people looking for information about 90 Day Payday Loans also looked online for Guaranteed Loan Online Payday, Easy Motorcycle Loans, and even No Tele check Payday Loans.

Thursday, August 2, 2012

Refinance Your Auto Loan To Restore Financial Health: An Option For Those With Bad Credit

People often ascribe to the misguided notion that once they agree to a loan's terms they are trapped for the life of that loan. While it is true that one cannot simply walk away from a financial obligation easily, before making the ultimate choice to default or even file for bankruptcy, it is important to look for other options. Even with bad credit, lenders are willing to work with you to stay afloat. One such way to alleviate financial pressure is through refinancing your loans, and this includes auto loan refinancing.

A Really Good Choice for Bad Credit

While many people think refinancing is only for mortgages, auto loan refinancing is becoming more and more popular as more and more people are hitting financial walls. Through the process of refinancing your auto loan, you can lower your monthly payments and, hopefully, get the relief you need to secure your future. Lenders understand that those with bad credit are usually the ones in a position to need the help of a refinance loan, and many will sit down with you to work out the details.

This is because the benefit of a refinance is mutual. Banks want to make sure that they get all the money you owe them on your loan. If refinancing that loan to get you a lower monthly payment is the only way to do that, they are willing to work with your bad credit.

Auto Loan Refinancing: How Does It Work?

The process of refinancing a loan is far simpler than many people think. However, in order to accomplish a refinance, you need to first have paid down the principle of your initial auto loan. Basically, say you bought a new car for ,000 two years ago and took out a four year, or 48 month, loan. Over the course of the first 24 months, you likely paid about 0 per month, which has added up to ,000 paid.

During the refinance, you will look at how much you still owe (,000) and then take out a loan to cover that amount. However, rather than paying that ,000 over the final two years of your loan, you will now pay it off over four years. This can lower your payment to less than 0 a month.

Wait! There's One More Perk

In addition to lowering your monthly payment, you can use your refinance loan to get some cash from your vehicle's equity and still save on your monthly bills. If you want to take out an additional sum, say, ,000 on top of that ,000 by using your vehicle's equity (basically in a secured loan) you will need to borrow a total of ,000. However, that amount spread over four years will still only add up to about 5/month, which is still much lower than your initial 0/month payment.

Securing Your Future

Through the combination of a lower monthly payment and the money you get through the equity on your vehicle, you can make major strides in securing your financial future. The money you get from your refinance loan can go to paying other bills in a lump sum, and the 5 a month you have saved on your auto loan payments can go towards continuing to pay down debt or balance your budget.

Clearly, the extra cash from auto loan refinancing, both at the front and each month, can help you manage your finances better. This, in turn, should help to improve your bad credit. Auto refinance loans are a very versatile tool that can make a great improvement in your financial health.

Different Types Of Insurance Riders Available In India

Awareness on benefits of insurance policies is growing rapidly among the employed individuals in India. This is leading to increased participation of more public, private and foreign investments in insurance sector in India. The insurance company in India has grown from 11 life and 11 general insurers in 2001 to 24 life and 25 general insurance companies in 2012 (Source: IRDA).

Due to this increased competition in Indian market, insurance companies are coming up with new and more functional insurance policies to attract customers. Not only the regular policies, but also the riders that are being offered by the companies are in great demand in India as people are now greatly aware of the importance of having a comprehensive insurance coverage. Keeping in view this increased popularity of riders, let us look at a few insurance riders that are being offered by various insurance companies in India.

What are riders?

Riders are add-on benefits to your existing insurance policies, that offer coverage for additional risks and thus, give you complete protection. They are optional. You can buy riders by paying some additional amount to your original premium. Riders help in giving more comprehensive protection and enhance the scope of your insurance policy. These add-ons may help you in difficult situations where the basic insurance policy may not come into play. So, in order to add value to your basic protection plan, you need to consider taking a rider.

Following are the most common riders offered by life insurance companies in India.

Accidental death benefit rider:

Accidental death benefit rider is an add-on available with a life insurance policy. It provides an additional sum assured if the policy holder dies due to an accident. On opting for this rider, you need to pay extra monthly premiums along with your regular life insurance premiums.

For instance, if you take a life insurance policy of Rs 30 lakh sum assured along with accidental death benefit rider of Rs 25 lakh, your family will get Rs 55 lakh, instead of just Rs 30 lakh in case of your death in an accident.

Almost all the insurance companies present in India offer this rider. Some of them are Bajaj Allianz, ING Vysya, SBI Life, Kotak Mahindra, Met Life, LIC, AVIVA.

Critical illness rider:

This rider acts as an add-on for medical insurance policy. Critical illness rider provides huge coverage upon diagnosis of any pre-specified illness that is mentioned in the policy. Basically, all the major illnesses like cancer, heart attack, coronary artery bypass, kidney failure, organ transplant, paralysis are included in the critical illness cover. It pays you the assured sum in the event of occurrence of any one of these illnesses or diseases covered under the rider.

The growing cost of medical services makes it difficult to get treatment for such dreadful diseases. Different insurers have different types of exclusions for this rider. So, better read the policy documents before taking this rider.

Some life insurance companies in India that offer critical illness cover or dreaded disease cover are Bajaj Allianz, ICICI Prudential, ING Vysya, SBI life, Kotak Mahindra, Met Life, Reliance life, Sahara Life, AVIVA, Future Generali. Some companies also combine accident and critical illness riders together.

Partial and permanent disability rider:

This rider provides a portion of sum assured in case you are disabled permanently or temporarily due to an accident. Most policies pay a certain percentage of sum assured periodically for next 5-10 years. However, this rider is helpful only if you are disabled due to an accident. In many insurance policies, this rider is combined with accidental death benefit or waiver of premium benefit.

Many companies combine permanent or total disability rider with accident death benefit rider and offer them as a single rider. Some of the life insurers offering accident death benefit and disability riders together are ICICI Prudential, ING Vysya, SBI Life, Kotak Mahindra, reliance, Star Union Dai-ichi. Buying a rider that has a combination of two riders is more beneficial compared to buying single rider.

Waiver of premium rider:

This rider waives off future premiums in case you are not able to pay the premiums due to disability or income loss. But your original policy will be still in force. It exempts the insured from paying premiums until the insured is ready to work again. Also, this rider protects your policy from getting expired. This rider is being offered by Indian life insurance companies like ICICI Prudential, Bharati AXA and many more.

As per the Indian insurance sector regulator IRDA, the premiums for all riders together should not exceed 30% of the premium on the base policy. Moreover, the premium paid for the riders are eligible for tax deductions under section 80C and 80D of Income Tax Act.

Thus, you need to identify the rider that suits you by considering the factors like age, history of illness, regular mode of working, etc. Also, make sure the cost of the rider is affordable. Compare the cost of riders from different insurance companies and get a beneficial rider that suits your need.