How to Prepare a Bill of Sale Properly

<div style="text-align: justify;"> You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls.</div> <div style="text-align: justify;"> <strong><u>How to prepare a Bill of Sale and how to avoid common pitfalls</u></strong></div> <div style="text-align: justify;"> A bill of sale form is used to transfer the ownership from a seller to a buyer. The four main bill of sale forms are for: auto, boat, personal property and business.</div> <div style="text-align: justify;"> The Internet made all these forms readily available at a reasonable price.</div> <div style="text-align: justify;"> <u>In five minutes or less, the user can prepare a bill of sale as follows</u>:</div> <ol style="text-align: justify;"> <li> Purchase the form and download the form.</li> <li> Open the downloaded form and print.</li> <li> Use a pen; fill in the blanks by following the instructions.</li> <li> Done.</li> </ol> <div style="text-align: justify;"> <strong><u>The common pitfalls and their repercussions:</u></strong></div> <ol style="text-align: justify;"> <li> Using a free form download from the Internet. Such forms almost always contain errors and are incomplete.</li> <li> Using a handwritten bill of sale. Such forms almost always contain errors and are incomplete.</li> <li> Failing to detail and describe what is being sold. It is important to have what is being sold detailed and described.</li> </ol> <div style="text-align: justify;"> Avoiding the three pitfalls listed above can help both the seller and buyer avoid both headaches and expenses down the road. The following are few common examples:</div> <ol style="text-align: justify;"> <li> In the event the buyer is unsatisfied with their purchase as they may deem that what they received was not as described. A proper bill of sale including the condition of the item being sold thus resolving such issues. </li> <br /> <li> Using an improper form that does not detail important information. This causes that buyer issues down the road when attempting to resell what was bought. As an incomplete form may lack a vehicle VIN number or boat identification Hull number. </li> <br /> <li> The seller also needs to protect themselves as exemplified here. When selling a car, it is important to include the "Odometer Disclosure Statement". This provides the seller legal protection in case the buyer alters the odometer in the future when reselling to obtain a better price. In such a case, it is impossible to ascertain who changed the odometer reading. The seller by using a proper form protect themselves from dealing with such possibilities.</li> </ol> <div style="text-align: justify;"> There are just few examples. There are many other scenarios.</div> <div style="text-align: justify;"> <strong><u>Is a professionally prepared Bill of Sale a must?</u></strong></div> <div style="text-align: justify;"> Yes. For a small price, this provides legal protection for the both the seller and buyer and saves them costly expenses and headaches down the line.</div>

How to Prepare a Bill of Sale Properly

You can prepare a customized bill of sale in five minutes. Learn how to do it properly and how to avoid common pitfalls. How to prepare a...

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Your Credit Report May Soon Get a Makeover With The Fair Credit Reporting Improvement Act of 2014

<div id="article-content" style="text-align: justify;"> <div style="text-align: justify;"> Maxine Waters, a California Democrat, has introduced a bill that could bring welcomed change to your credit report. It has been a long time since the original bill was passed and consumer spending habits and use of credit have changed significantly since then. Let us take a look at some of the proposed changes in the House Bill.</div> <div style="text-align: justify;"> <strong>Credit bureaus must delete collection items and late payments from a consumer's credit report within 45 days of the debt settling or paying in full.</strong> This is the biggest proposed change in my opinion and could be welcome news to those with bad credit. You now would have the ability to repair your credit score very quickly, within seven weeks of settling debt that is on your report. Some industry experts worry that savvy borrowers could game the credit system with this change. More on this in a future article.</div> <div style="text-align: justify;"> <strong>Bankruptcies can only appear on your credit report for 7 years, instead of the current 10 years. </strong>Many of the bills proposed changes revolve around shortening the length of time delinquent items appear on your report.</div> <div style="text-align: justify;"> <strong>Debt Collections and late payments may only appear on your credit report for 4 years.</strong> This is similar to the last proposed change in the sense that it is reducing the amount of time the delinquency can be on your credit by 3 years.</div> <div style="text-align: justify;"> <strong>Private student loans defaults must be removed after 9 consecutive payments made.</strong> This is another biggie. If you can make 9 monthly payments in a row for your student loan, then the default must come off your report because you would be considered in good standing again.</div> <div style="text-align: justify;"> <strong>Remove adverse actions from predatory mortgage lenders. </strong>If you got one of those nasty predatory mortgages a few years ago and it's still a blemish on your credit report, this bill acts to remove those items from your credit report completely. It is not clear on what mortgages would be considered predatory loans.</div> <div style="text-align: justify;"> <strong>Require creditors to maintain documents for negative items on your credit report for as long as the item is on your credit report.</strong> This is will not affect your credit so much until you have a dispute with a creditor. They will now be required to maintain all the documents that they used against you for as long as they are reporting the item on your credit.</div> <div style="text-align: justify;"> The bill was only introduced a month ago and I can already see the arguments heating up. There are some items in this bill that the creditors don't like but if even half the items where to be put into law, you should see a bump up in your credit report. If you don't see the bump right away, you would certainly get a bump soon</div> </div>

Your Credit Report May Soon Get a Makeover With The Fair Credit Reporting Improvement Act of 2014

Maxine Waters, a California Democrat, has introduced a bill that could bring welcomed change to your credit report. It has been a lon...

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Maximize Your Business Profit Through Dynamic Scheduling

<div id="article-content" style="text-align: justify;"> <div style="text-align: justify;"> At times when the global industry is facing economic crisis and things are getting rough for most companies and businesses, everyone always end up talking about cutting cost. This is of course a practical thing to do but there's also a great probability here that you will end up doing more damage to the business. Cutting cost is always translated into laying off employees which can demoralize the efficiency of your manpower or it could be reducing production cost which will surely sacrifice the quality if not the quantity of your product output. In order to maximize efficiency and excellent service without facing any cost reduction, you have to find out more ways to do this.</div> <div style="text-align: justify;"> <strong>A Scheduler System with a Tracker</strong></div> <div style="text-align: justify;"> By adopting the Dynamic Scheduling System, you will learn how to use the Geo-location information provided by a dynamic scheduler system in tracking down activities of your field service men. Given such information, you will be able to know what your workforce is actually doing with their work time. With this gathered data, you can effectively design a Management Strategy that will enable you to boost your workforce efficiency by connecting them to job assignments or tasks most relevant to their performances. This is more beneficial to them and to the company.</div> <div style="text-align: justify;"> Now, take a look on How the Dynamic Scheduling System can help you boosts your company's productivity by increasing efficiency and delivering excellent service.</div> <div style="text-align: justify;"> <strong>Reduce Unnecessary Schedules</strong></div> <div style="text-align: justify;"> Through Dynamic Scheduling, you can always maximize probability of customer satisfaction by assigning top caliber employees to top positions and challenging jobs and thereby eliminating unnecessary time spent for unrelated tasks. You can also ensure an effective customer-service delivery by providing a high-level service performance while increasing first-time fix rates.</div> <div style="text-align: justify;"> Now that you have learned enough on how the Dynamic Scheduling works, find out how to maximize you company's profit by increasing the efficiency of your workforce and maximizing customer-service delivery. What a great way to streamline your reduction cost without hurting the company. Here's more of what you can learn from the Dynamic Scheduling System.</div> <div style="text-align: justify;"> <strong>Maximize Human Resource Efficiency</strong></div> <div style="text-align: justify;"> With the proper tool to provide you with the exact inputs as to the daily performance of your staff and field service men, you will be able to assign them to more sensible and relevant posts or functions. You can always gauge their performance efficiency by tracking down on their specific locations. With such significant information, you can always maximize your employees efficiency. Although we are talking here of your field service men, the use of the Scheduling System is not limited to them. The Dynamic Scheduling System can also be effective in big department stores or supermarkets. Mostly in these places you can see a number of workers staying in one corner doing nothing, not even assisting customers while customers have their long queues in front of counters. The flow of service delivery is hampered when a cashier still have to pack up grocery items because no one is around to help in the packing.</div> <div style="text-align: justify;"> <strong>Locator Tracking Device</strong></div> <div style="text-align: justify;"> Want to know if your employee is playing on the company's budget? Here is an effective way to find out. Through the Dynamic Scheduling system, you will be encouraged to use a Locator Tracking Device necessary for the effective use of the System. This locator device is equipped with a tracker to locate visibility of your work force, including traffic situations and provide alternative routes to minimize fuel and time consumption. This is an effective measure if you are really considering cost reduction.</div> <div style="text-align: justify;"> <strong>Identify Exact Travel Locations</strong></div> <div style="text-align: justify;"> With the tracking device, you can also be watchful on unscheduled travels or out of location travels by your employees which of course means additional wastage for the company. If you are aware of these things, then you can easily have your reasons to fire out immediately those undesirable employees trying to play their tricks on you and give more opportunities to those more serious and effective employees or workers to fill up your work force.</div> <div style="text-align: justify;"> <strong>Set Up Immediate Contingency Measures</strong></div> <div style="text-align: justify;"> With the Dynamic Scheduling System, you can immediately set up contingency measures in the soonest possible time. Upon identifying arising problems in some areas, you can immediately deploy, assign or send backups nearest to that location.</div> <div style="text-align: justify;"> <strong>Reduction of Carbon Footprint Services</strong></div> <div style="text-align: justify;"> Lastly, the Dynamic Scheduling System is also into promoting Reduction of Carbon Footprint and advocate support for Carbon Reduction. Commitment.</div> </div> <div id="article-resource" style="text-align: justify;"> Are you losing money in your business so you want to maximize your profit? Through the Dynamic Scheduling System, you can always drive your work force into full efficiency for a better customer service delivery. But how to do this? Read the article Maximize your Profit Through Dynamic Scheduling System.<br /> </div> <div style="overflow: hidden; text-align: justify;"> <br /> Article Source: http://EzineArticles.com/8739980</div>

Maximize Your Business Profit Through Dynamic Scheduling

At times when the global industry is facing economic crisis and things are getting rough for most companies and businesses, everyone ...

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Some Helpful Tips For First Time Owners Of Credit Cards

<div id="article-content" style="text-align: justify;"> <div style="text-align: justify;"> One of the happiest things that you can ever experience is having your first application for a credit card approved. You will definitely spend lots of time looking for the things you want to buy and planning for your first shopping spree that doesn't involve you getting some cash out of your wallet once you receive your card.</div> <div style="text-align: justify;"> However, you have to know that credit cards are one of the leading reasons why thousands of people are currently in debt. They are indeed handy to have but for many people, they are cause of the financial woes and problems.</div> <div style="text-align: justify;"> First time owners of "plastic money" can easily become victim of overspending. After all, the experience of going shopping without paying for any item with cash and being able to pay for them in installments and even at zero interest rates can really be very appealing. But before you know it, it seems that you can't stop using your plastic card to buy anything, even if you tell yourself that you will only use it for emergency reasons.</div> <div style="text-align: justify;"> If you are a first time owner of a credit card, below are some tips you can follow so that you can avoid overspending and maxing out your card:</div> <div style="text-align: justify;"> <strong>For those still applying for their first credit card or looking to get another one, you need to choose your card well.</strong> At present, there are various credit cards offered by different companies and banks suitable for varying spending and lifestyle needs. You can get a card that is perfect for most day-to-day expenses and one that doesn't come with an annual fee. There are also ones that you can get with higher spending limits and cards that comes with international concierge service. Basically, choose a card that suits your needs. However, you also need to apply for a card that you can realistically afford. As such, when applying for a card, make sure you know the interest rate and payment terms.</div> <div style="text-align: justify;"> <strong>Always plan your purchases.</strong> Once you receive you card, make sure you plan for and be highly selective about the items you will pay for using it. Remember that any unplanned, small, and frequent purchases on your credit card will add up. You should also consider setting a limit to any big-ticket item you want to buy and stick to this cutoff point.</div> <div style="text-align: justify;"> <strong>It is still more advisable to use cash.</strong> Even if you don't have a lot of spare cash, it is still more sensible to pay for your lunch, coffee or a new book you want to buy with cash. By doing this, you get to avoid accumulating high interest rates on your credit card bills.</div> <div style="text-align: justify;"> <strong>Lastly, use your rewards.</strong> Almost all credit cards now come with certain privileges and the best ones will provide you with valuable rewards, such as free travel after reaching the required points. And once you can avail of these rewards, make sure that you put them into good use and enjoy these freebies.</div> </div> <div style="overflow: hidden; text-align: justify;"> <br /> Article Source: http://EzineArticles.com/8778365</div>

Some Helpful Tips For First Time Owners Of Credit Cards

One of the happiest things that you can ever experience is having your first application for a credit card approved. You will definit...

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Will Apple Ever Make It to the Finance Industry?

<div id="article-content"> <strong>PayPal on Apple iCloud Issues</strong><br /> Will Apple ever make it to the Finance Industry after PayPal showed negative reactions to Apple launching their Mobile Payment Service Apple Pay?<br /> PayPal publicly questioned Apple's credibility in getting into the Financial Industry when it announced recently in the New York Times its open contempt on Apple's new technology. Putting much emphasis on Apple's recent issue over iCloud, PayPal reminded the public when celebrities' intimate photos suddenly went into circulation, throwing doubts on Apple's credibility to secure financial accounts. The Ad accompanying such remark even stated, "We want our money, more than our <em>selfies</em>!"<br /> <strong>The Technology to Replace Apple Pay Wallet</strong><br /> After the success of the Apple Pay, Apple is now launching another technology to upgrade Wallet features. This time, cash transactions are quick and made easy through a phone built-in NFC feature. NFC is a sensor strip built into every iPhone 6 and iPhone 6 Plus phones. This strip is found at the top of the phone and is activated once you hold your phone over a sensor. By simply touching the ID for authentication, transaction is done. With the new Apple invention, cash transactions are more quick and easy. For security of transactions, credit cards which appear on your Passbook are secured in an enclave at the phone as the credit card number is never stored. This makes your card number isolated from your transaction as a security code is sent over the wire. So if you lost your iPhone, it can easily be disabled. With the NPC sensor strip, it can turn your iPhone into debit and credit cards for you. You can use it for online transactions without filling up long forms. Just one tap is all you need. Apple Pay also works with Apple Watch but Apple Company still had to work out for more details. Some third Party Apps are also integrated in the new invention paving way for more apps developers in the future.<br /> <strong>Apple on the iCloud Breach Issue</strong><br /> After hours of investigation into Apple Security System, Apple CEO, Tim Cook reaffirmed its vehement denial to the allegation that there is a breach in their iCloud Security Feature. According to the result of the conducted investigation, Apple did not find any reason to support Hollywood Celebrity, Jennifer Lawrence's cries for breach security after nude photos went into circulation in the internet. Other celebrities involved were <em>S</em>elena Gomez, Mary Elizabeth Winstead, Kate Upton and Kirsten Dunst.<br /> Apple insisted that investigation results showed compromises on user accounts, passwords and security questions. In short, they were done by hackers and not a breach issue on the part of the Company. Apple CEO further advised their patrons to use double security measures. Apple also added more security features to avoid compromises in their product and customers security by sending out alert emails every time they log in into their iCloud using web browsers. This does not exclude even those who regularly log in into their iCloud. However, this will only be temporary as Apple works to find more ways to improve their security against nude-crashes. Apple also got some plans to improve iCloud security by sending out emails and push notifications to iTunes users in cases of any attempts seen to change their passwords, restore iCloud data to another device, or log into iTunes for the first time.<br /> <strong>PayPal Irrelevant Issue Raises Doubts on Apple Security</strong><br /> Now that Apple had announced the entry of the Apple Pay, with more sensible features attuned to secure data of its users while doing transaction more easier, this could provide them a portal to the Finance Industry. But after the iCloud issue, which proves to be a drawback to Apple Security Measures, will joining the Finance Industry be a good move for Apple? Will it prove to be their downfall or their breakthrough to the Finance Industry?<br /> With these issues to raise, PayPal, the largest online banking showed reluctance if not dismayed on Apple's decision to go into Finance Industry. What with the large portion of their market brought to them by Apple?<br /> After celebrities nude photos goes into circulation over the web, PayPal's negative comment on Apple iCloud Security take its drawback as people started questioning and pointing on its effects on PayPal. The allegation against Apple iCloud does not limit the people assumptions that if it happens to Apple, there is a great possibility that the same thing can happen to PayPal any time. This assumption as to PayPal's loophole in their security was finally backed up by a blog posed by a 17-year old kid from Melbourne, Australia. This post is relevant and probably the very reason why Apple commanded much attention from PayPal and other online financial and banking institutions. If PayPal is getting restless over transactions involving iPhone, how would it react if hackers would finally treat PayPal to the same extent that they treated Apple?<br /> Apple had indeed shown their great expertise in dealing with such crisis. Once again, they prove to their customers and competitors that they are always ready and capable to develop their products and services. They are giving much focus on the provision of full security, both to their products and customers or users. It is but natural for a corporation as big and as great as Apple, to be facing such issues. But what is important is the fact that they never stop in looking for great innovations for the improvement of every product feature.<br /> The battle between Apple and eBay may take its final course in the long run, when people themselves will watch and measure its final outcome. However, being in the same industry where a company's credibility is at stake over finances, it's better to collaborate in providing solutions to any loophole in the technology. Conquering the Finance Industry is still a long run for Apple but with the introduction of the new-featured iPay Phone, will they be able to make it or break it in the Finance Industry? Apple's entry to the finance Industry will surely bring various reactions on everyone, including existing and potential competitors.<br /> The Issue oni Cloud Security is just a gateway for Apple to consider joining a new Industry but issues such as this one surely leaves a lot to learn and to develop. Finances and Technology always comes hand-in-hand. When you got one in your hand, it takes one great decision to hold on to the other!<br /> </div> <div id="article-resource"> It is more likely that Apple will survive the recent hit on their security issue regarding iCloud after Hollywood celebrities went gaga over 'selfies nudies'. Know how they will be getting over it and develop the use of their technology to regain back public trust and confidence. Moreover to that, Apple is gaining entry to the Finance Industry. Will this be a breakthrough or just another high-risk move to improve current business standing?<br /> </div> <div style="overflow: hidden;"> <br /> Article Source: http://EzineArticles.com/8767496</div>

Will Apple Ever Make It to the Finance Industry?

PayPal on Apple iCloud Issues Will Apple ever make it to the Finance Industry after PayPal showed negative reactions to Apple launch...

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How Credit Cards Cause Global Warming

<div id="article-content"> Global warming, as you may be aware, is a serious threat to the only place in this vast universe where we can exist.<br /> We are, in fact, steadily heating up our "home" Centigrade by Centigrade, Fahrenheit by Fahrenheit. So, when the tipping point comes, it will literally go up in flames... and our earth would become an inhabitable mass of dust and rocks.<br /> The primary reason for being roasted alive, slowly but surely, is our excessive use of the natural resources. Millions of tons of coal, oil and minerals are devoured year after year to meet our insatiable demand for energy and countless goods and merchandise.<br /> To a large extent, credit cards are responsible for this relentless march of the human race towards its own extinction.<br /> No, the problem is not the raw material that goes into the making of a credit card. Rather, it is the unbridled consumerism generated by this innocuous looking piece of plastic.<br /> When we have limited money to spend, our wasteful tendencies get automatically restricted.<br /> However, credit cards have the magical power to multiply money. By making available to us, our many years of future income, it puts a colossal amount of purchasing power in our hand. This, naturally, stimulates and incites unrestrained consumption.<br /> Consumption by itself is not bad. However, this practically unlimited money-power begets over-consumption. In fact, human "needs" are finite. You can eat only so much; you need just one house to live; you can't drive more than one car at a time or talk on multiple phones; and so on. As such, a vast amount of this over-consumption actually ends up as "utter waste". Just look around and you will find millions of bloating tummies, hundreds of unused items lying scattered around in our homes, no parking space for our cars, etc.<br /> Our planet does not have the capacity to handle such mammoth amount of waste that is being generated in such a short interval of time. As a result we have global warming, ozone layer depletion, polluted rivers and many such ways of environmental destruction.<br /> I wonder if our earth will survive this credit card crisis.<br /> By the way, even before this impending "collective annihilation" becomes a reality, credit cards have devastated many individual lives. And this damage is not just limited to their finances. Health, relationships, marriage, mental peace, all have suffered immense harm.<br /> There is no secret formula to living a life free from the pressures of a credit card. The centuries old wisdom - spend less than what you earn - is as relevant today as it was ages ago. To counter the numerous temptations around us, I had recommended 3 places where you should not use your <a href="http://articlesoninformation.blogspot.com/" target="_blank">Credit Card.</a><br /> I threw all my credit cards (except one for convenience and emergencies) into the dustbin. What about you?<br /> What legacy would you like to leave for your children... big houses, big cars and big debts or clean air, clean water and clean food? The power to write your children's destiny is in your hands.<br /> </div> <div style="overflow: hidden;"> <br /> Article Source: http://EzineArticles.com/8784941</div>

How Credit Cards Cause Global Warming

Global warming, as you may be aware, is a serious threat to the only place in this vast universe where we can exist. We are, in fact,...

Read more »