Xidax Gaming Pcs #motor #vehicle #finance

#pc finance


Xidax Financing Options

We’ve made financing a new computer easy by offering three different options for our customers. If your credit isn’t the best, we have No Credit Needed Financing offered through Progressive Finance.

If you are looking to build credit or already have established credit, we first recommend using Synchrony Financing with 12 Months Special Financing Available on purchases made with your Home Design Credit Card by Xidax which you can apply for here. *Subject to credit approval. Minimum monthly payments required. See store for details.

Alternatively you can use BillMeLater by selecting PayPal at checkout and following the instructions on the PayPal payment page.

No Credit Required Lease-to-Own

At Xidax we’re proud to offer our exclusive No Credit Required Leasing. Now with no credit required leasing, owning a new hand-built Xidax desktop or laptop gaming computer is easier than ever!

The requirements are simple:
-Have a job for at least 6 months.
-Have an active checking account for at least six months.
-Have no Non Sufficient Funds or excessive overdrafts in the last 30 days.

Apply for Xidax No Credit Required Leasing today on your new gaming rig. It’s easier than ever. (Customers located in in WY, WI, MN, VT, and NJ are not eligible for No Credit Check Financing.)

Frequently Asked Questions

Q : When is my first payment due?
A : Your first payment will be due at checkout. The first payment amount will depend on how much you are financing.

Q : What is the interest rate? How is the monthly payment figured?
A : Lease payments are 20% of the invoice amount per month. Example: $1,000 invoice = $200/month payment for 12 months.

Q : How long is the agreement for?
A : All lease/purchase agreements are for 12 months unless you wish to pay off the purchase early.

Q : Can I pay off the purchase early?
A : Yes! And when you pay off your invoice amount within 90 days you only pay an application processing fee.

Q : How much can I get approved for?
A : The maximum you can be approved for with No Credit Needed financing is $3,000.

Q : If the computer I want is more than I was approved for, can I pay the difference with a credit card?
A : Absolutely. You can either pay the difference with your credit card or PayPal account.

Q : Will I be charged anything when I submit an application through the website?
A : No, and your credit will not be pulled. You will only be charged when you have been approved and signed the purchase agreement online.

Q : I was approved, what’s next?
A : Call us at 1-877-943-2972 and we’ll complete your order!

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Places to Never Use a Debit or Credit Card to Make a Payment – Pg #alpha #finance

#daily finance


Places to Never Use a Debit or Credit Card to Make a Payment

What to Use Instead of Your Bank or Credit Card

Re-loadable pre-paid cards and cash are two good options since they are not linked to any personal financial information. Using cash is the best way to avoid overspending, because it makes you more aware of the financial impact that the purchase has on your budget, said Bruce McClary, spokesperson for the National Foundation for Credit Counseling, a Washington, D.C.-based non-profit organization.

You should not use your debit card anywhere other than in an ATM machine, said Steve Weisman, a Boston lawyer and a lecturer of law, taxation and financial planning at Bentley University in Waltham, Mass. You are exposed to more liability when you are using a debit card. Although laws limit your debit card liability to $50 if you report the fraudulent use to the bank within two days,that changes as you wait longer. If you don’t notice the fraud and report it to your bank after three days, your liability jumps to $500, he said.

“Your bank account will be frozen while the bank investigates the matter, thereby limiting your own access to the account,” Weisman said.

If you don’t have cash or a pre-paid card handy, a credit card is still a good choice because it may take banks many days to refund fraudulent charges or withdrawals, said Sanders.

“If an attacker successfully drained your checking account through your debit card, you could be without cash for quite some time,” he said.

Since nearly all debit cards can be used as a credit card, consumers should always use the credit card feature, Parker said. When the card is used as a debit card with the PIN being entered, you are risk for having both the card and PIN compromised.

“This could allow cyber criminals to directly withdraw cash,” he said.

With major retailers and banks such as Target, Sony, AOL, eBay, JP Morgan Chase, Home Depot, Anthem. TJ Maxx and Apple being attacked by cyber criminals and having millions of data records leaked and exposed. consumers should be more concerned about large companies, said Dave Bennett, CTO of IONU, a data security company based in Longmont, Colo.

“Hackers are going to go after the big targets, not the small fry,” he said.

–Written by Ellen Chang for MainStreet

What are the basic financial reports that a nonprofit must prepare? #tv #finance

#basic finance


Home 2-Minute FAQ Finance What are the basic financial reports that a nonprofit must prepare?

What are the basic financial reports that a nonprofit must prepare?

The basic financial reports of a nonprofit organization include:

  • Statement of financial position (also called a balance sheet): This summarizes the assets, liabilities and net assets of the organization at a specified date. It’s a snapshot of the organization’s financial position on that date.
  • Statement of activity (also called an income and expense statement): This reports the organization’s financial activity over a period of time. It shows income minus expenses, which results in either a profit or a loss.
  • Statement of cash flow: This summarizes the resources that become available to the organization during the reporting period and the uses made of such resources. It’s especially useful in real-time because it reports income that has been received and expenses that have been paid. A statement of projected cash flow is helpful for the board and organization to be able to anticipate any shortfalls for planning purposes.
  • Statement of functional expenses: Reports all expenses as related either to program services or to supporting services. Expenses under program services are shown divided among the various programs. Expenses under supporting services are generally divided between (1) management and general expenses and (2) fundraising expenses.

While these reports are extremely important in terms of understanding your organization’s financial health and conveying that information to your board, you’ll also find that these types of reports will often be required by funders when applying for grants.

Other reports, depending on your organization’s needs, are: government information returns, payroll tax returns, reports to funders, management reports, budget monitoring reports, and analysis of statements and investment reports.

A detailed list of financial reports for nonprofits, and related definitions can be found in Financial Statements of Not-for-Profit Organizations, by the Financial Accounting Standards Board (www.fasb.org ).

There are also a few accounting basics you should keep in mind. A qualified bookkeeper can help you to ensure reports are prepared properly and in a timely manner. He or she can also help to reconcile bank statements on a monthly basis, which is critical, and lend support and key information during budget development.

Finance FAQ

10 Principles of Financial Management – Finance Principles #military #finance

#basic finance


10 Basic Principles of Financial Management

Organize Your Finances

Organizing your finances is the first step to creating wealth. Credit cards, bank accounts, personal loans, brokerage accounts, mortgages, car loans and retirement accounts should to be tracked. Budgeting software can provide complete solutions to track all such accounts, make on-time payments and more. Jeff Morris, a certified public accountant in Bethesda, Maryland, points out: “Once you enter your accounts and balances into budgeting software, you will be able to spend less time getting organized and more time making sense of your situation.”

Spend Less Than You Earn

Personal financial software provides powerful tools to help you track and budget your spending and take steps to achieve your long-term goals. If you learn to track your finances and know where you spend the most, you’ll be able to control your money. “The best way to ensure that you either overcome debt or avoid it in the first place is to never spend more than you make,” Morris says.

Put Your Money to Work

Take advantage of the time value of money. Morris gives the following example: “A 21-year-old who invests $17.50 a day until retiring at the age of 65 at a 5 percent average annual investment return can be a millionaire. At age 30, the required daily savings amount almost doubles. At age 40 the amount quadruples.” So save early and often, even if the amount is small.

Limit Debt to Income-Producing Assets

With credit cards and car loans, every penny you spend to repay that debt is money flushed down the drain. All but a few models of cars depreciate to zero and require more in repairs and finance charges than can be reasonably expected to be returned to the owner upon being sold. Morris explains, “With their ultra-high interest rates, credit cards utilized to buy household goods and clothes that quickly wear out are bad bargains. If you have to be in debt, stick to financing items that retain their value over time, like real estate and education.”

Continuously Educate Yourself

Budgeting software often links to hoards of research that puts the collective knowledge of Wall Street at your fingertips. “Read every financial periodical, book and blog you can find from well-regarded financial authors,” Morris recommends. “Understand why you are investing so that you will stick to your plan. Periodically gather research so you do not miss excellent investment opportunities.”

Understand Risk

The key to understanding return on investments is that the more you risk, the better the return should be. This is called a risk-return trade-off. Investments like stock and bonds that have a higher rate of return often have a higher risk of losing the principal that you invested. Investments like certificates of deposit and money market accounts with a lower rate of return have a lower risk of losing principal. Since no one knows the future, you cannot be 100 percent sure any investment will do well. Morris explains, “If you diversify your investments, one can go sour without severe impact to your overall portfolio.”

Diversification Is Not Just for Investments

Find creative ways to diversify your income. Everyone has a talent or special skill. “Turn your talents into a money-making opportunity. Investigate ways to make money from home and launch a home-based business,” Morris says. The extra income can supplement your full-time income or even result in an exciting career change. Good financial management software can show you how even a slight improvement in income can positively change your financial profile.

Maximize Your Employment Benefits

Employment benefits like a 401(k) plan, flexible spending accounts and medical and dental insurance yield some of the highest rates of return that you have access to. “Make sure you are taking advantage of all the ways benefits can save you money by reducing taxes or out-of-pocket expenses,” says Morris.

Pay Attention to Taxes

Financial planning software helps you manage your tax information. For example, Quicken quickly analyzes taxable investments and provides powerful organizing tools that make year-end tax filings go much smoother. Morris emphasizes, “We all know that any money you make is going to be taxed. That is why it is important to consider the related tax implications for every investment.”

Plan for the Unexpected

Despite of your best efforts, you’ll face unforeseen emergencies. Morris urges, “Save enough money and stock up on insurance to be able to weather extended unemployment, accidents, catastrophic medical care, large car or house repairs and natural disasters.” Increasing the amount of money you save when times are good can help you manage the cost impact of hedging against bumps in the road, making sure unexpected financial exposure does not derail your long-term goals and your family’s financial security.

* Footnotes and disclaimers

  • Standard message and data rates may apply for sync, e-mail and text alerts. Visit www.quicken.com/go/apps for details. Quicken app (“App”) is compatible with iPad, iPhone, iPod Touch, Android phones and tablets (for the US only). Not all Quicken desktop features are available in the App. The App is a companion app and will work only with Quicken 2014 and above desktop products. Earlier versions of the App prior to Quicken 2014 will not work with Quicken 2015 or 2016 desktop product.
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  • Paying bills with Quicken for Windows is available only if you have Quicken Bill Pay or if your bank offers Bill Pay with Quicken. Paying bills and money transfer with Quicken for Mac are available only if your bank offers Bill Pay with Quicken.
  • Free ongoing enhancements and updates are on a when-and-if-available basis through April 2019.
  • Importing data to Quicken 2016 for Windows: imports data from Quicken Windows 2010 or newer, Microsoft Money 2008 and 2009 (for Deluxe and higher). Quicken Windows Starter Editions imports data from prior versions of Starter Edition only.
  • Importing data to Quicken 2016 for Mac: imports from Quicken Windows 2010 or newer, Quicken Mac 2007 2015, Quicken Essentials for Mac, Moneydance, and iBank. Quicken for Mac software, including desktop and mobile versions, is not designed to function for use outside the U.S.
  • 60-day money back guarantee: If you’re not satisfied, return this product to Quicken within 60 days of purchase with your dated receipt for a full refund of the purchase price less shipping and handling fees.
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  • TurboTax: Sold separately. Works with the CD/download versions of TurboTax Basic, Deluxe, Premier, and Home Business.
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  • About Quicken

2016 Quicken Inc. All rights reserved. Quicken is a registered trademark of Intuit Inc. used under license.iPhone, iPod, iPad Touch are trademarks of Apple Inc. registered in the U.S. and other countries. Android is a trademark of Google Inc.Terms, conditions, features, availability, pricing, fees, service and support options subject change without notice.Corporate Headquarters: 3760 Haven Avenue, Menlo Park, CA 94025

Spectra Legal Finance #finance #project

#legal finance


Who we are



We launched SpectraLegal in 2015 to offer specialist finance to British law firms operating in a new legal landscape brought about by The Legal Aid, Sentencing and Punishment of Offenders (LASPO) Act of 2012 coupled with caution from traditional lenders.

LASPO mirrored the reforms enacted in Ontario in 2003, in which contingency fees (known as damages-based agreements in England and Wales) were introduced. With our Canadian roots, the adoption of the Ontario model means that we are uniquely positioned to understand the pressures and opportunities that UK law firms are now experiencing.


Canadian banks lacked an understanding of the litigation process and were unable to value services offered under conditional-fee and damages-based agreements, which limited firms access to capital.

In response, BridgePoint Financial Group was formed in 2005 to provide a specialised form of working capital finance for these Canadian law firms operating under such agreements.

11 years on, BridgePoint is Canada s leading provider, having established funding relationships with over 750 law firms.

SpectraLegal extends BridgePoint s experience and specialist expertise to the UK.


SpectraLegal is led by by COO Steve Carter, former head of professional services (north) at accountants Baker Tilly, and business development and client relations director Matthew Gwynne, former UK head of credit structuring at Standard Chartered Bank. Our management team also draws on BridgePoint s pioneering legacy, bringing years of experience and specialist knowledge to help UK law firms manage the profound changes affecting their legal practices.

Behavioural Finance #finance #jobs

#barclays finance


Behavioural Finance

It is very easy to use behavioural finance as an interesting source of anecdotes and stories about how we’re all ‘irrational’ in amusing ways. This white paper outlines how we at Barclays have used this knowledge to create practical investing applications.

Investors deviate from good investing practice because good long-term investment decisions are invariably uncomfortable along the way. Our behavioural finance approach is not to ignore this human need for comfort, but to acknowledge it and ensure that we can help each of our clients achieve it as efficiently as possible.

Only by having a practical system that addresses their needs for emotional comfort along the journey will investors be able to endure the ride, and get to the end with the sort of returns they should.

Residents of the United States, please read this important information before proceeding

Please read this important information before proceeding.


An introduction to our White Paper on behavioural finance.

Overcoming the cost of being human

We explore how an investor’s emotions can interfere with a long-term investment strategy.

Behavioural finance matters

In practical terms, Greg B Davies assesses the long-term value of behavioural finance.

Anxiety-adjusted returns

We map our approach to anxiety-adjusted returns – an investment goal that insulates against the inevitable stress of a long-term investment strategy.

Welcome to the zone of anxiety

We all, to our perpetual discomfort, live in the present, in what we call the zone of anxiety – where we are always buffeted by short-term uncertainty.

Cycle of investor emotions

We plot an investor’s probable response to the rise and fall of their investments – to illustrate our emotional responses to the short-term environment.

Know thyself identifying your financial personality

Types of financial personality, and how identifying yours can help you overcome emotional barriers to investment goals

One step ahead of yourself

How we can use our knowledge of behavioural tendencies to make practical changes to investors’ portfolios.

Let s get started

We discuss how to practically implement behavioural finance theory, using a system that makes it easy to deliver the simplest interventions to every client.

Resisting the Siren s song

Homer’s Odyssey and the experience of investing – what we can learn from Ulysses’ defeat of the Sirens.

Privacy security

Products and services on this site may not be available in certain jurisdictions. In particular, these products and services are not being offered in Japan or the United States or to US residents. For full details of exclusions and disclaimers please see the important information before proceeding. Each Barclays company reserves the right to make a final determination on whether or not you are eligible for any particular product or service. This page is operated by Barclays outside of the United States.

In accordance with U.S. regulation, the use of Twitter and other social media websites for communication with Barclays is prohibited. If you have an account operated in the U.S. and wish to discuss your account, please contact your Investment Representative by email or telephone.

Copyright 2016 Barclays.

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The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #fast #finance

#guaranteed finance


We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A

Financy Glossary – The online dictionary of financial terms #vans #on #finance

#finance dictionary


Learn to understand your financial adviser

Financial advisers and other finance professionals will some time use financial language that is hard to understand. This is usually due to them being so used to the language that they forget that their clients sometimes have a hard time understanding the terms they are using. Many feel to embarrassed to ask what the language the professional real means and end up making decisions based on less information than they really need to make an informed decision. Some unscrupulous individuals use this tactic to sell financial products such as Warrants. Swaps and CFD:s that are unsuitable for the client they are selling them to.

With this in mind we have created finance-glossery.com. A website where you can look up words and see what your financial adviser is trying to tell or not to tell you. The website is available for all phones with an internet connection and makes it possible to look up a word while in the office of the financial adviser. We do however usually recommend that you ask the adviser to write down all the advice he is giving you. That way you can review the information and look up words in your speed and in your own home. This makes it easier to reflect on what the information means for you.

We never recommend to make a decision right there wile talking to the finance professional. It is always better to sleep on the information before you make a decision. It is a big red flag if the adviser tell you that you have to make a decision right away or miss out. This is never the case if you are looking for a new adviser. A good adviser insists that you take your time before making a decision. A adviser that you have worked with for some time and that you have a good relationship with can sometimes let you in on time sensitive deals. In this case it is not a red flag.

We recommend that you try to get to the point where you no longer need our website. Where you have learned everything we have to teach you. The more you know, the more successful you will become in the finance game.

Most searched terms

Below you can read a short explanation of the most searched terms on our website.

  1. Binary Options: binary options are a type of high risk financial instrument used to speculate on future market movement. A binary option is tied to an underlying asset such as a stock. an index, a currency pair or a commodity. It is the market movements of the underlying financial asset that dictates whether a binary option matures in the money or not. A binary option has to possible outcomes. You lose your entire investment or you make a large profit. Often 80% or more. Read more about binary trading .
  2. Gearing: Gearing is a term that tells you if a company is leveraged or not. It compares the company net debt to its equity capital. This shows you how much debt to company has taken on to leverage higher growth.
  3. Pro Forma Invoice: A type of invoice that is send from one company to another. A Pro Forma invoice is send before any goods are sent out and it is a way to guarantee that the company gets paid for products it sell to another company. This is especially common if the buyer has financial problems and when the two companies lack prior relationship.
  4. Preference shares: A type of shares that give the holder special benefits compared to other stockholders. The benefits can vary between different types of preferred shares. A common benefit assigned to preferred shares is that the holder is guaranteed a fixed dividend each year.
  5. Unsecured loan: An unsecured loan is a loan where the loan taker doesn t provide the loan giver with any security when he borrows money. This type of loan usually carries a higher interest rate than secured loans and you probably know them better by payday loan. personal loan and credit card. This is due to the fact that unsecured loans are associated with a higher risk for the bank than secured loan such as auto loans and mortgages.

Guaranteed Car Finance – Smarter Car Finance for Australia #mba #finance #jobs

#guaranteed finance



Guaranteed Car Finance Quote

When you’re looking for car finance, it’s helpful to have a friend and reliable partner to navigate you through the traps and pitfalls of consumer loans. To get guaranteed car finance you don’t have to look further than The Smarter Finance Company.

If you have bad credit or a non-existent credit history, or you’re working irregular jobs and don’t have a fixed income, you may worry about what happens when you are ready to buy a car. Some banks will give you sky high rates or reject your applications altogether it can be incredibly stressful and complicated to put your car financing request through the application!

Smarter Car Finance Services

The Smarter Finance Company is in contact with numerous financing institutions and banks across Australia and we are certain that we are able to put you in contact with a financier who is happy and more than willing to give you guaranteed car finance based on your needs and requirements!

Financiers can be very particular when it comes to accepting an application for funding and the process of getting your applications in can be a challenge in itself! Trust us, we’ve been in the business of helping customers get car financing sorted for a long time and we know that it pays to have a little bit of help guaranteed car finance can take the stress out of a big decision and be that extra push that lets you drive home the car you’re eyeing!

All you need to do is contact us to help you request guaranteed car finance. Your identification, contact and address details, income and whatever available financial and credit information would be very helpful for us to help you assess the different car financing tools and not only help direct you to the financier who will give you the best car finance deal, but make sure that your car financing plan works for you too!

We will walk you through all the necessary processes and paperwork and you can trust our professional team of consultants to be understanding and patient with whatever your situation may be. We will work passionately to help you get guaranteed car finance and the car that you need!