Not only vehicles, life and health that need to be financed but Aircraft Finance is also needed if you buy or operate aircraft. There are two kinds of aircraft that usually exist in the market: the private aircraft and commercial aircraft. Finance for private aircraft process is almost similar to the process of mortgage or automobile loan. There are some processes that should be taken to concerning Aircraft Finance. The borrower should give information concerning their aircraft prospective to the lender and the lender will give appraisal to the aircraft performance. Then, there will be a title search conducted by the lender to know whether the aircraft has a registration number, involve in any liens or title defects.

The next process of private Aircraft Finance is after the aforementioned processes, the lender will prepare the needed documents for the transaction. After the borrower fulfilled the documents required by the lender, the funds and the title will be transferred to your account. Another Aircraft Finance for commercial use can be preceded by more complicated lease and the debt financing is also more sophisticated. There are three common scenarios that are conducted in Aircraft Finance for commercial use: secured lending, operating leasing and finance leasing.

1. Use reward programs to keep people revisiting
your web site and buying your products. You could
reward gifts or discounts for revisiting or buying.

2. Publish e-zines for other web sites to increase
your traffic. You could do it at no charge and in
return just ask for a sponsor ad in each issue.

3. Trade endorsement ads with other e-zines. They
pull more hits and sales than just trading classified
ads because it gives your ad instant credibility.

4. Test your ad copy before you start taking orders.
Tell your visitors to e-mail you if they want to be
notified when you launch a new product.

5. Get your visitors excited about your product by
letting them know how excited you are about it. Tell
them why you’re excited and use exclamation points.

6. Use incentives to gain referrals if you don’t have
an affiliate program. Tell people when they refer
customers you will award them with free products.

7. Tell your visitors the reason why you’re having a
sale so they don’t think your products are cheap. It
could be a holiday/seasonal sale or clearance sale.

8. Stay away from overloading your web site with
high tech gadgets. They can create a slow loading
web page and distract people away from your offer.

9. Cut out words, phrases, and paragraphs in your
ad copy that aren’t selling or supporting your product.
This will stop people from getting bored with your ad.

10. Keep people at your web site as long as possible.
Allow them to download free ebooks, sign-up for
contests, use free online services, etc.

Author : Carl Hoffman

Cehoffman.com

1. Barter
If you have a business you should be bartering goods
and services with other businesses. You should try to
trade for something before you buy it. Barter deals
usually require little or no money.

2. Network
Try networking your business with other businesses.
You could trade leads or mailing lists. This will cut
down on your marketing and advertising costs. You
may also try bartering goods and services with them.

3. Wholesale/Bulk
You’ll save money buying your business supplies in
bulk quantities. You could get a membership at a
wholesale warehouse or buy them through a mail
order wholesaler. Buy the supplies you are always
running out of.

4. Free Stuff
You should try visiting the thousands of freebie sites
on the internet before buying your business supplies.
You can find free software, graphics, backgrounds,
online business services etc.

5. Borrow/Rent
Have you ever purchased business equipment you
only needed for a small period of time? You could
have just borrowed the equipment from someone
else or rented the equipment from a “rent-all” store.

6. Online/Offline Auctions
You can find lower prices on business supplies and
equipment at online and offline auctions. I’m not
saying all the time, but before you go pay retail for
these items try bidding on them first.

7. Plan Ahead
Make a list of business supplies or equipment you’ll
need in the future. Keep an eye out for stores that
have big sales. Purchase the supplies when they go
on sale before you need them.

8. Used Stuff
If your business equipment and supplies don’t need
to be new, buy them used. You can find used items
at yard and garage sales, used stores, used stuff
for sale message boards and newsgroups etc.

9. Negotiate
You should always try negotiate a lower price for
any business equipment or supplies. It doesn’t hurt
to try. Pretend you are talking to a salesman at a car
lot.

10. Search
You can always be searching for new suppliers for
your business supplies and equipment. Look for
suppliers with lower prices and better quality. Don’t
just be satisfied with a few.

author : Carl Hoffman

source:

http://www.CEHoffman.com

Airline Fares

1. Compare low-cost carriers with major carriers

that fly to your destination. Remember, the best

fares may not be out of the airport closest to you.

2. You may save by including a Saturday evening

stay-over or by purchasing the ticket at least 14

days in advance. Ask which days of the week

and times of the day have the lowest fare.

3. Even if you are using a travel agent, check airline

and Internet travel sites, and look for special

deals. If you call, always ask for the lowest fare

to your destination.

Car Rental

4. Since car rental rates can vary greatly, compare

total price (including taxes and surcharge) and

take advantage of any special offers and membership

discounts.

5. Rental car companies offer various insurance and

waiver options. Check with your automobile

insurance agent and credit card company in

advance to avoid duplicating any coverage you

may already have.

New Cars

6. You can save thousands of dollars over the lifetime

of a car by selecting a model that combines

a low purchase price with low depreciation,

financing, insurance, gasoline, maintenance, and

repair costs. Ask your local librarian for new car

guides that contain this information.

7. Having selected a model and options you are

interested in, you can save hundreds of dollars by

comparison shopping. Get price quotes from several

dealers (over the phone or Internet) and let

each know you are contacting the others.

8. Remember there is no “cooling off” period on

new car sales. Once you have signed a contract,

you are obligated to buy the car.

Used Cars

9. Before buying any used car:

• Compare the seller’s asking price with the

average retail price in a “bluebook” or other

guide to car prices which can be found at

many libraries, banks, and credit unions.

• Have a mechanic you trust check the car,

especially if the car is sold “as is.”

10. Consider purchasing a used car from an individual

you know and trust. They are more likely

than other sellers to charge a lower price and

point out any problems with the car.

Auto Leasing

11. Don’t decide to lease a car just because the payments

are lower than on a traditional auto loan.

The leasing payments are lower because you

don’t actually own the car.

12. Leasing a car is very complicated. When shopping,

consider the price of the car (known as the

capitalized cost), your trade-in allowance, any

down payment, monthly payments, various fees

(excess mileage, excess “wear and tear,” end-oflease),

and the cost of buying the car at the end

of the lease. A valuable source of information

about auto leasing can be found in Keys to

Vehicle Leasing: A Consumer Guide, which is

published by the Federal Reserve Board and

Federal Trade Commission.

Gasoline

13. You can save hundreds of dollars a year by

comparing prices at different stations, pumping

gas yourself, and using the lowest-octane called

for in your owner’s manual.

14. You can save up to $100 a year on gas by keeping

your engine tuned and your tires inflated to

their proper pressure.

Car Repairs

15. Consumers lose billions of dollars each year on

unneeded or poorly done car repairs. The most

important step that you can take to save money

on these repairs is to find a skilled, honest

mechanic. Before you need repairs, look for a

mechanic who:

• is certified and well established;

• has done good work for someone you know;

and

• communicates well about repair options and

costs.

Auto Insurance

16. You can save several hundred dollars a year by

purchasing auto insurance from a licensed, lowprice

insurer. Call your state insurance department

for a publication showing typical prices charged

by different companies. Then call at least four of

the lowest-priced, licensed insurers to learn what

they would charge you for the same coverage.

17. Talk to your agent or insurer about raising your

deductibles on collision and comprehensive coverage

to at least $500 or, if you have an old car,

dropping this coverage altogether. This can save

you hundreds of dollars on insurance premiums.

18. Make certain that your new policy is in effect

before dropping your old one.

Homeowner/Renter Insurance

19. You can save several hundred dollars a year on

homeowner insurance and up to $50 a year on

renter insurance by purchasing insurance from a

low-price, licensed insurer. Ask your state insurance

department for a publication showing typical

prices charged by different licensed companies.

Then call at least four of the lowest priced insurers

to learn what they would charge you. If such a

publication is not available, it is even more important

to call at least four insurers for price quotes.

20. Make certain you purchase enough coverage to

replace the house and its contents.

“Replacement” on the house means rebuilding

to its current condition.

21. Make certain your new policy is in effect before

dropping your old one.

Life Insurance

22. If you want insurance protection only, and not a

savings and investment product, buy a term life

insurance policy.

23. If you want to buy a whole life, universal life,

or other cash value policy, plan to hold it for at

least 15 years. Canceling these policies after

only a few years can more than double your life

insurance costs.

24. Check the National Association of Insurance

Commissioners website (www.naic.org/cis ) or

your local library for information on the financial

soundness of insurance companies.

Checking Accounts and Debit Cards

25. You can save more than $100 a year in fees by

selecting a free checking account or one with no

minimum balance requirement. Request a complete

list of fees that are charged on these

accounts, including ATM and debit card fees.

26. See if you can get free or lower cost checking

through direct deposit or agreeing to ATM only

use. Be aware of charges for using an ATM not

associated with your financial institution.

Savings Products

27. Before opening a savings account, find out

whether the account is insured by the federal

government (FDIC for banks or NCUA for

credit unions). Financial institutions offer a

number of products, such as mutual funds and

annuities, which are not insured.

28. Once you select a type of savings account, use

the telephone, newspaper, and Internet to compare

rates and fees offered by different financial

institutions, including those outside your city.

These rates can vary a lot and, over time, can

significantly affect interest earnings.

29. To earn the highest return on savings (annual

percentage yield) with little or no risk, consider

certificates of deposit (CDs) or U.S. Savings

Bonds (Series I or EE).

Credit Cards

30. To avoid late payment fees and possible interest

rate increases on your credit cards, make sure

you send in your payment a week to ten days

before the statement due date. Late payments on

one card can increase fees and interest rates on

other cards.

31. You can avoid interest charges, which may be

considerable, by paying off your entire bill each

month. If you are unable to pay off a large balance,

pay as much as you can. Try to shift the

remaining balance to a credit card with a lower

annual percentage rate (APR). You can find listings

of credit card plans, rates, and terms on the

Internet, in personal finance magazines, and in

newspapers.

32. Be aware that credit cards with rebates, cash

back, travel awards, or other perks may carry

higher rates or fees.

Auto Loans

33. To save as much as several thousand dollars in

finance charges, pay for the car in cash or make a

large down payment. Always get the shortest term

loan possible as this will lower your interest rate.

34. Make certain to get a rate quote (or preapproved

loan) from your bank or credit union

before seeking dealer financing. You can save

as much as $1000 in finance charges by shopping

for the cheapest loan.

35. Make certain to consider the dollar difference

between low-rate financing and a lower sale

price. Remember that getting zero or low-rate

financing from a dealer may prevent you from

getting the rebate.

First Mortgage Loans

36. Although your monthly payment may be higher,

you can save tens of thousands of dollars in

interest charges by shopping for the shortestterm

mortgage you can afford. For each

$100,000 you borrow at a 7% annual percentage

rate (APR), for example, you will pay over

$75,000 less in interest on a 15-year fixed rate

mortgage than you would on a 30-year fixed

rate mortgage.

37. You can save thousands of dollars in interest

charges by shopping for the lowest-rate mortgage

with the fewest points. On a 15-year

$100,000 fixed-rate mortgage, just lowering the

APR from 7% to 6.5% can save you more than

$5,000 in interest charges over the life of the

loan, and paying two points instead of three

would save you an additional $1,000.

38. Check the Internet or your local newspaper for

mortgage rate surveys, then call several lenders

for information about their rates (APRs), points,

and fees. If you choose a mortgage broker,

make certain to compare their offers with those

of direct lenders.

39. Be aware that the interest rate on most adjustable

rate mortgages (ARMs) can vary a great deal over

the lifetime of the loan. An increase of several

percentage points might raise payments by hundreds

of dollars a month, so ask the lender what

the highest possible monthly payment might be.

Mortgage Refinancing

40. Consider refinancing your mortgage if you can get

a rate that is lower than your existing mortgage rate

and plan to keep the new mortgage for at least several

years. Calculate precisely how much your new

mortgage (including points, fees and closing costs)

will cost and whether, in the long run, it will cost

less than your current mortgage.

Home Equity Loans

41. Be cautious in taking out home equity loans.

The loans reduce or may even eliminate the

equity that you have built up in your home.

(Equity is the cash you would have if you sold

your house and paid off your mortgage loans.)

If you are unable to make payments on home

equity loans, you could lose your home.

42. Compare home equity loans offered by at least

four reputable lending institutions. Consider the

interest rate on the loan and the annual percentage

rate (APR), which includes other costs, such

as origination fees, discount points, mortgage

insurance, and other fees. Ask if the rate

changes, and if so, how it is calculated and how

frequently, as this will affect the amount of your

monthly payments.

Home Purchase

43. You can often negotiate a lower sale price by

employing a buyer broker who works for you,

not the seller. If the buyer broker or the broker’s

firm also lists properties, there may be a conflict

of interest, so ask them to tell you if they are

showing you a property that they have listed.

44. Do not purchase any house until it has been

examined by a home inspector that you selected.

Renting a Place to Live

45. Do not limit your rental housing search to classified

ads or referrals from friends and acquaintances.

Select buildings where you would like to

live and contact their building manager or

owner to see if anything is available.

46. Remember that signing a lease probably obligates

you to make all monthly payments for the

term of the agreement.

Home Improvement

47. Home repairs often cost thousands of dollars

and are the subject of frequent complaints.

Select from among several well established,

licensed contractors who have submitted written,

fixed-price bids for the work.

48. Do not sign any contract that requires full payment

before satisfactory completion of the work.

54. Check your phone bill to see if you have optional

calling features or additional services, such as

inside wire maintenance, that you don’t need.

Each option you drop could save you $40 or

more each year.

55. If you make very few toll or long distance calls,

avoid calling plans with monthly fees or minimums.

Or consider disconnecting the service altogether

and use dial around services such as 10-10

numbers or prepaid phone cards for your calls.

When shopping for dial around service, look for

fees, call minimum, and per minute rates. Treat

prepaid cards as cash and find out if there is an

expiration date.

56. If you use a cell phone, make sure your calling

plan matches the pattern of calls you typically

make. Understand peak calling periods, area coverage,

roaming, and termination charges. Contracts

offered by most carriers will provide you with a

trial period of 14 days or more. Use that time to

make sure the service provides coverage in all the

places you will be using the phone (home, work

etc.). Prepaid wireless plans tend to have higher

per minute rates and fees but may be a better

option if you use the phone only occasionally.

57. Before making calls when away from home,

compare per minute rates and surcharges for cell

phones, prepaid phone cards, and calling card

plans to find how to save the most money.

58. Dial your long distance calls directly. Using an

operator to place the call can cost you up to $10

extra. To save money on information calls, look

the number up on the Internet, or in the directory.

Food Purchased at Markets

59. You can save hundreds of dollars a year by

shopping at lower-priced food stores. Convenience

stores often charge the highest price.

Major Appliances

49. Consult Consumer Reports, available in most

public libraries, for information about specific

appliance brands and models and how to

evaluate them, including energy use.

There are often great price and quality

differences. Look for the yellow Energy

Guide label on products, and especially for

products that have earned the government’s

ENERGY STAR, which can save up to 50% in

energy use.

50. Once you’ve selected a specific brand and

model, check the Internet or yellow pages to

learn what stores carry the brand. Call at least

four of these stores to compare prices and ask if

that’s the lowest price they can offer you. This

comparison shopping can save you as much as

$100 or more.

Heating and Cooling

51. A home energy audit can identify ways to save

up to hundreds of dollars a year on home heating

(and air conditioning). Ask your electric or

gas utility if they audit homes for free or for a

reasonable charge. If they do not, ask them to

refer you to a qualified professional.

52. Enrolling in load management programs and

off-hour rate programs offered by your electric

utility may save you up to $100 a year in electricity

costs. Call your electric utility for information

about these cost-saving programs.

Telephone Service

53. Once a year, review your phone bills for the previous

three months to see what local, local toll,

long distance, and international calls you normally

make. Call several phone companies

which provide service in your area (including

wireless and cable), to find the cheapest calling

plan that meets your needs. Consider a bundled

package that offers local, local toll and long distance,

and possibly other services, if you heavily

use all the services in the bundle.

60. You will spend less on food if you shop with a

list, take advantage of sales, and purchase basic

ingredients, rather than pre-packaged components

or ready-made items.

61. You can save hundreds of dollars a year by

comparing price-per-ounce or other unit prices

on shelf labels. Stock up on those items with

low per-unit costs.

Prescription Drugs

62. Since brand name drugs are usually much more

expensive than their generic equivalents, ask

your physician and pharmacist if a less expensive

generic or an over the counter alternative is

available.

63. Since pharmacies may charge widely different

prices for the same medicine, call several.

When taking a drug for a long time, also consider

calling mail-order pharmacies, which often

charge lower prices.

Funeral Arrangements

64. Plan ahead, making your wishes known about

your funeral, memorial, or burial arrangements

in writing to save your family or estate unnecessary

expense.

65. For information about the least costly options,

which may save you several thousand dollars,

contact a local Funeral Consumer Alliance or

memorial society, which are usually listed in the

Yellow Pages under funeral services.

66. Before selecting a funeral home, call several

and ask for prices of specific goods and services,

or visit them to obtain an itemized price list.

You are entitled to this information by law.

Source :

The Consumer Literacy Consortium.

For information on bulk orders contact: Save Money,

Consumer Federation of America, 1424 16th St., NW,

Suite 604, Washington D.C. 20036

1. Cash is the new king
If you can spare the cash, it has a heck of a lot more buying clout now. In the past, we’ve tried to persuade people to seek out more liquid investments for their cash on hand and grab an easy-to-get low-interest mortgage. Now, with the equity markets depressed at the same time that mortgage loans are hard to find, the tables have turned. Those wielding ready cash in a recession are always ahead of the game.

2. Negotiate extras … and more extras
This is a no-brainer in the current market. But while sellers continue to offer throw-ins such as built-in appliances, flat-screen TVs and even cars, the best throw-ins are always the ones that take monetary form. Think paid closing costs, a year’s worth of property taxes, repair credits and paid homeowners association dues, to name only a few.

3. Start a down payment fund
The goal should be to amass 20 percent. Set monthly saving goals. Shore up the family budget. Work an extra job if you must. The pain will precede a gain: lower house payments and higher equity in the future.

4. Determine your own home buying budget
Do this before you start talking with lenders. They will tell you what you qualify for, but only you can determine what you can really afford. Be realistic and work in a buffer for contingencies and negative life events. And instead of facing possible piecemeal rejection locally lender by lender, shop for a mortgage online and see what several competing lenders have to offer. But don’t expect appreciably less-stringent terms online.

5. Clean up your credit score
You’ve heard this one before. But now it’s more important than ever if you hope to get home financing in ’09. Correct reporting-agency errors that may be dragging down your score. Pay your bills on time. Pay down active credit cards, but don’t close out paid-off accounts.

6. Research equals savings
Agents will almost always tell you that the time to buy is now. But do your own research. Go online and scour newspapers and other local sources looking for housing inventory backlogs, the average for-sale time that homes are on the market and average selling prices. Also, be wary of the number of area foreclosures and major-employer layoffs.

You’ll get a better sense of how much negotiating clout you’ll really have and which way the market is moving. Information is power — in your case, purchasing power.

7. Don’t overlook neighborhood issues
If and when you do qualify for a mortgage, don’t overlook these important issues in your exuberance: quality of schools, traffic noise, upcoming zoning issues, neighborhood stability, home turnover, crime levels and the presence of any sex offenders. This is where a strong, veteran agent can assist.

8. Watch for foreclosed-property inventory to loosen
Banks soon will be under greater pressure to cut their losses on property they own through foreclosure and to increase revenues. With a smaller percentage of distressed homes selling at auction, banks are loaded up with more of these nonperforming assets.

In major markets, more agents are specializing in prying loose so-called REOs — real estate owned by banks. Again, cash on hand talks loudest.

9. Look for other looming opportunities
Can’t get a loan? The financial markets should begin to untangle at least a little bit in 2009. The newly Fed-fortified banks will, or at least should, start moving that money. They are banks, after all. But don’t expect a return to zero down payments.

 

Source : bankrate.com

free download

Decide the investment that appropriate for you
On the investment decision some of the people success while some other failed. Some of them still able to maintain to get the gain while the others loss it, some of them success in a short time while some others able to maintain the success for the long term. Whatever happened this does not related to the ‘fortune’ factor. And people who success in investment do not achieve it by a sudden fortune.
What makes them success are their knowledge about the basic investment principles and how they implement it in the consistent manner, discipline, hard working, and keep learning persistently.
One of the basic rule required to invest is to adapt the investment according to your need and personality. Something that might looks so simple, but lot of peoples failed in the implementation. This is one of the key for the success investment, where no one can survive to become and investor without it.
To adapt the type of investment that appropriate with your need, 5 questions need to be raised to your self:
1. What do you need : Income or Capital Growth?
Some investment only provide the income and with no capital growth (e.g. Deposit) while the others could give a big capital growth and provide a low income (e.g. Shares, property). Both investment have a negative correlation.

The needs for money in order to adequate the daily requirement will determine the way you choose the investment. For example, someone at 40 with high income may interest invest in shares, which is emphasizing the capital growth compared to retired one who may interest to investing in deposit which give an interest income every month.

2. How long do you wait until you can see the profit

There is an investment which offers gain within a month (e.g. Deposit). And the others may required 25 years to get the optimum gain (e.g. Property, forestry). You need to be clear about the time duration of your investment.

By choose the wrong duration time for investing, it will only caused you experience the loss, for example by placing the money for the short time in the capital market.
3. How big the resk that you still can bear?

You need to know the risk level that you still can tolerate, either psychologically or financially. If you have a solid financial situation, you may try to take the investment with a high risk with potential high gain. But if you are not very strong financially, you must say no to any temptations to double your money with the possibility high risk exposure.
The age of the person to invest is also have an important role. A person at 60 surely will choose to invest with a very minimum risk compared with a person at 35. An aggressive personality at 35 still have a lot of time to recover financially from the mis-investing. Therefore, they are more steady to take a very high risk.

The other thing which is important is your psychology. If you tend to be worry about a high fluctuation (which may probably make you have insomnia every night), you should stay away to take the investment with very high risk.

Psychology aspect is very important. First, money and the investment should make you prosper, not disturbe you. Secondly, you not allow your emotions (scared, greedy) to decide you to invest. A decision to invest should come from the common sense instead of emotional decision.
4. What is the level of your knowledge about investing?

To invest required skills. To invest does not always require a complicated calculation. Commonly only need a knowledge in a simple arithmatics like add, substract, multiply, and devide (e.g. Deposit, portfolio). A professional investor (like investment manager) may require a complicated statistical model to analyze the value of obligations in the secondary market or to decide a common market price for shares.

Another skill that may required is the communication skill (e.g. In the property industry). The best person who success in investing in the property industry is the person who have a high skill in negotiations.
5. How much time you dedicate for your investment?

Your selected investment will decide how much time that you need to provide accordingly. Usually, by investing in shares will require a very much time (except you let anyone else to manage it for you) compared with put the money into deposit.

Everyone should measure the value of their time. If you have a high income and you invest to the investment which require time to manage the value of your investment, it may be better if you hire another person to do it more better (like investment manager) while you keep working (where you still get your income as usual). From the points above, have you decide which investment that appropriate with yourself?

 

Bagus Pamungkas