Examining Bad Credit Military Loans and Bad Credit Motorcycle Loans

More traditional lenders, such as banks and credit unions, will usually depend heavily on credit histories before they will grant a bad credit motorcycle loan or a bad credit military loan; your chances are not good for getting the money you need. However, if you locate a poor credit lender, you will find that they will make considerations beyond your credit score and your credit history. They will appraise other points such as your employment history, your salary, and your debt-to-income ratio.

Unique Loans

Bad credit military loans and bad credit motorcycle loans are unique in the borrowers they target and the leeway for approval that is usually allowed. Landing a bad credit motorcycle loan depends on the risk presented by the borrower as well as the value of the two-wheeled vehicle. Purchasing a new motorcycle will be less fraught with difficulty than buying used. However, after you have done your shopping and have settled on a model, it is important that you have all pertinent documentation from your dealer to supply to the lender.

Landing a decent bad credit military loan depends on finding a reputable lender. Good providers will take into serious account your military service, and they should be ready to make exceptions for smudges on your credit history. Because of your military service, these lenders should also be able to charge less interest and lower finance fees than typically offered by poor credit lenders. Because you are military, these lenders will not be shy of offering you a loan.

Shopping for Sub-Prime Lenders

Military bad credit loans and motorcycle bad credit loans are similar because they are both dependent on a certain class of lenders — sub-prime lenders. The lending market is rather crowded since traditional lenders, such as banks and credit unions, have reined in their free-style lending of the last decade. The important consideration here is shopping for the best lender.

The internet would be good place to start your shopping for these lenders. Must punch your browser with Motorcycle Loans of Military Loans. As with any online transactions, be sure the websites where you divulge personal and financial information is secure. Check on the reputation of lenders by checking with Better Business Bureau online listings where you will find ratings and feedback from customers. Also visit personal finance forums to check for any warnings regarding certain lenders.

Bad Credit Motorcycle Loans

A chicken or the egg situation comes with finding a good bad credit motorcycle loan. You want to know pretty much what kind of vehicle you want to buy and how much it costs. But you do not want to do any actual purchasing until you have your financing secured. So, you want to find the best lender, but you also want to find the best vehicle deal. You have play the two against each other, in a way.

Financing provided by the dealers themselves will always end up costing you more. Tell your prospective lender what model you want and how much it costs to see if they are willing to make a deal. When you walk onto a dealer lot with financing pre-arranged, you can pretty much call the shots when it comes to making a deal.

Bad Credit Military Loans

Here again, shopping and scrutiny go hand-in-hand. Absolutely check the reputation of your lender. If you have a financial adviser on your base, he or she may be able to point you toward a good lender. Especially important is paying attention to exactly what kind of lender you are approaching. Some lenders misrepresent themselves. They may say they provide military loans, but these are often just pay day loans in disguise. Know the going rate for a pay day loan. Pay day loans should be avoided because of the almost usurious interest rates and overly high fees they charge.

10 Tips To Safe Online Shopping

The internet has changed our buying habits. Many people have found the convenience of online shopping to be a great experience. You can easily click and see the product. You have a fun time shopping, browsing, reading and getting informed about products. And you don’t have to take time out from your busy schedule to fight traffic, crowds and lines to buy the perfect gift for your recipient.

No wonder Internet business generated $301 billion in revenue last year, by a University of Texas estimate.

If you compare shopping online to offline you would think as far as security goes, it would favor offline shopping, right? Not really.

In the years past, shoppers were more reluctant to do their shopping online – now things have changed greatly. And that confidence in consumers directly reflects the enormous growth of online sales.

I have a friend who took his wife out for a romantic evening to a local restaurant. The last place you would expect credit card fraud to happen. By the time he noticed they had charged him double the amount for their dinner, it was too late to go back to the restaurant. He rang me and we concluded that it must be a mistake. It was later that we found out that the restaurant owner’s reputation was a bit shaky. Apparently he frequently overcharged customers in the hope they wouldn’t notice.

I don’t know. It’s a funny world we live in.

Does this mean the internet is safe? Relatively yes, but don’t forget, the Internet is an open field and there are some bad elements out there.

We have been shopping online for years. We never had a problem with credit card fraud on the Internet. But then again, we always take precautions. From this point forward, you will see 10 checkpoints online merchants have to pass to secure our business…

Will your credit card details be safe?

Reputable companies online know that one of the things preventing customers from placing orders with them is customers not been sure whether their credit card details will be safe. Responsible companies have taken this concern onboard and have set up their systems to provide the customer with maximum security.

How would you know if you are entering your payment details on a secure page?

You should see a picture of a lock on the bottom right hand side of your screen. This lock will appear on the page that you fill in when ordering and ensures that your name, address and credit card information is being sent to the online store through encrypted code. This encrypted code means that a hacker will not be able to steal your credit card information.

Does the online store value your privacy and confidentiality?

Prior to the internet days, when I used to order something from a mail order company, mysteriously I would be sent advertising from companies that I hadn’t done business with. Back then I didn’t know that companies sold your personal information for advertising purposes to other companies.

Receiving junk mail was annoying but because of the cost involved, it didn’t happen constantly. Imagine now if you do business online with a company that doesn’t respect your privacy and sells your email address.

Next time you open your email software, you are bombarded with emails ranging from a dozen to hundreds. Now that’s not annoying – it’s intolerable.

So moral of the story here, make sure your email address won’t be sold. Ensure the online store has a privacy statement which would state they will maintain your personal details in the strictest privacy and confidentiality.

Does the online store have contact details?

You may think, of course an online store would display their contact details on their website. You would be surprised. I was. No email address, nothing. This is a sure red flag.

Reputable companies will have contact details.

Do they have a refund policy?

Offline stores have a refund policy and you go into the store, physically select the product and are then allowed to return it for whatever reason. If a refund policy is important in offline stores, it’s twice as important for online stores.

The internet in convenience surpasses the offline world when it comes to shopping – but one thing it can’t match is that offline you can physically touch the product. Therefore a refund policy of 30 days is great, more is better. No refund policy and I would stay away.

Do they send you some sort of confirmation when you place your order?

When you place your order what you need is something to tell you they have receive it, a receipt if you like.

A reputable company will either issue you one via email or display a new page of their website where they thank you and tell you the order went through okay and your product is on its way.

When do they deliver?

What times do they deliver during the day? Do they deliver on the weekends? Can you choose a time to have your gift delivered? Will it be delivered personally to the recipient intended or will the courier leave it outside their door?

How will your gift arrive?

If its flowers, will it come with a vase or in a nice box or wrapped? Will your bouquet contain flower care instructions? How about flower food to make your flowers last longer?

If you’ve ordered another gift product, will they wrap it? In what kind of material will they deliver it? Do they tell you these things on their website?

How long have they been in business?

This may not mean too much. There are companies that start off and surpass all others. But perhaps for your peace of mind, you may want to use an online store that has been in business for some years. To check the history of the company is easy.

You can go to  and click on “whois” on the top bar. You will be taken to a page where you can enter the web address of the online store you want to check and you will receive the relevant information.

Is the online store’s site easy to use?

Is navigating easy? Is looking for products easy? Do their graphics download in a reasonable time? A sure sign of an amateur sight is if they have their website cluttered with information.

Have they gotten any bad reviews?

A reputable company isn’t necessary one that hasn’t any bad reviews to its name. It’s virtually impossible to please everyone.

There have been companies I have bought from and absolutely loved. So it surprises me sometimes when I stumble on a bad review about their products or even bad comments about them.

So when is a bad comment about a company worth considering? I take note of reviews where the writer complains of:

  • not receiving the product
  • not receiving a refund
  • not having their emails answered

If you want to see what kind of reviews a company may have, click on alexa.com. When you get to the website, type in the address of the store you want to check out. This will also show you how long the company has been in business.

Online shopping is fun. Take a little care and make it an experience! Happy shopping!

How Can I Get Rid of My Bad Shopping Habits?

How many times have you asked yourself the question: How can I get rid of my bad shopping habits?

And every time that is where the question ended, with no resolve.

How many times have you come home after a days’ shopping spree, unpacking the groceries and what-not, just to realise or have somebody to ask: Is this you bought really necessary?

Of course your first reaction would be to say yes—vaguely. But repeating the question to yourself, the “yes” will become more and more vague until you finally have to admit that maybe you did not need the item.We are all like that but what are we doing about it?

When are you an impulsive buyer or habitual shopper?

When you walk in the supermarket, you come around a shelve and you immediately reach out to an item and maybe place it in your basket after looking at it.

You didn’t really need it, but because it was appealing to your eyes, you took it. How can you quit or get rid of my bad shopping habits?

1. Keep a list–Yes, list the things that you are going to buy before leaving home.Stick with this preplanned list. Don’t be tempted by the appealing package of some items on the shelves. These items are placed there on purpose for you to think:Ah! This looks nice! Look at these delicious chocolates in the cute box!

Let your eyes and mind just focus on the next item on your list. Scan the item information boards above the shelves and walk straight to where you can find “sugar” which is your next item on the list.

1. Buy single clothes items. As far as clothing goes, again decide beforehand what you want.If it is a pair of flat shoes, go out and look for flat shoes and not two pairs of beautiful pink high heels

2. Eat before you go shopping is important if get rid of my bad shopping habits is your priority.Why? If you are hungry when you are shopping, you will be tempted to buy all the nice cold meats and doughnuts that you see—it is a fact.You should rather have something on your list that you can prepare yourself. This doesn’t mean that you have to deprive yourself of something delicious all the time. It only means that you have to have “3 doughnuts for lunch” on your list—not other stuff.

3. Be occupied in the queue–Most of the time you will have to wait in a queue.Then you see delicious sweets, magazines etc. that you did not want to buy, but are now forced by the appeal of the item to buy it. These items are conveniently placed in that position so that the shopper cannot walk past it. Shopping psychology! If you want to get rid of this bad shopping habit, you must occupy your time in the queue with something else like the “specials” flyer.

4. Avoid shopping on Saturdays-as far as possible. Just because your bored or everyone else shops on Saturdays, does not mean that you have to. This is usually the time that you buy unneccessities.

5. Do not buy to compete with the Jones’s—you will end up trying to compete with Bill Gates.

6. Do not go shopping if you feel the “urge” to buy

7. Always be in a hurry when shopping. Think of something that you have to do urgently at home or somebody that you have to see. This way you cannot loiter around and buy all sorts of stuff. Leave the strolling and window-shopping for the time when you haven’t got your purse with you.

These steps are a sure way to help you if you want to get rid of bad shopping habits.

Get a Better Shopping Experience by Being a Better Customer – 5 Online Shopping Tips

Want a better shopping experience online? Become a better customer! The speed, accuracy, and security of ecommerce websites are improving with each passing year, but they’re not always perfect, and they’re never going to be. What you may not realize is that many of the most common online shopping complaints aren’t the retailer’s fault at all. Yes, sometimes the blame is yours. You can avoid these problems by following these five online shopping tips that will make your shopping experience better and ensure that you get the best customer service every time you click that “add to cart” button.

PS: Although these tips are intended for online shoppers, many of the same rules apply to good old-fashioned brick-and-mortar stores as well. Keep them in mind the next time you head out to the mall!

Tip 1: Ask Yourself, “Is the Customer Always Right?”

We’ve been hearing it for over a century and seeing it in countless advertisements: “The customer is always right.” If you’ve ever owned a business or worked in retail, then you’ve likely heard this line more than a few times in your experience. Many of us have even dropped this one a few times ourselves when we’ve been frustrated over a misunderstanding or a bad purchase. It’s the mantra of disgruntled customers everywhere; the ultimate slogan designed to crush any disagreement and to get you what you want, on your terms.

But is it true? Is the customer always right? Deep down we all know the answer is absolutely not. Any transaction is a two-way street, and the customer is just as capable of being mistaken or wrong as the person on the other side of the counter (or the person at the other end of the website). While it is true that every customer should be treated with respect, sometimes what you want simply isn’t possible.

It is more effective to always keep an open mind than to always be right.

What does this have to do with improving your shopping experience? When you go into a transaction with the mindset that you are always right no matter what, you’re completely shutting yourself off to the other half of the conversation. Remember, a good retailer wants your business and is going to try to find a solution to your problem whether you demand to be right or not. Taking a combative stance the moment something goes wrong with your purchase or order increases the chance you’ll miss out on a perfectly good solution or compromise. Instead of coming to a fair agreement, you’re left with nothing — and chances are the person you talked to is now just as irritated as you.

But what if it turns out that you actually are right and the business you’re working with is at fault? You can still help fix the issue faster and easier by keeping an open mind and practicing common courtesy.

John Depane, a human resources and business consultant, describes this mindset simply, “Always be nice, until it’s time not to be. Instead of viewing the problem as a fight you must win, treat it as a challenge to be solved with a common goal: your satisfaction. A willingness to listen can take you a long way.”

A confrontational attitude can make it harder to get what you want.

In fact, not listening only makes it more difficult for the retailer to get you what you want. Cathy Ward, owner of ecommerce wedding accessories company, explains, “We’d be out of business if we didn’t strive to make our customers happy, but sometimes when a customer refuses to listen it can be hard to figure out what he or she really needs.” She adds, “Making everyone happy is easier when people take responsibility for their own behavior and actions, on both sides of the equation.”

Bob Bryant, a merchant services specialist, agrees. “Being cool and calm always gets you better treatment and better results than being aggressive or threatening if you’re dissatisfied.”

Tip 2: Don’t Take Your Bad Experiences with You Elsewhere

Even less helpful than assuming that as a customer you are always right is venting your frustration with one business on a completely different one. Yes, all of us have had the misfortune of the occasional bad shopping experience, and sometimes there’s nothing more aggravating than a rude employee or a confused customer service representative. Unlike the old saying, however, one bad apple does not spoil the bunch.

Focus on what the new business can do to help you, not what the last business didn’t do.

Treating a business like an enemy from the very start will not get you faster or better customer service; it will not get you a better price; it will not get you a better shopping experience. In fact, with this kind of attitude you’re very likely to create a problem before there even is one.

Even so, many retailers still frequently hear angry customer complaints like, “The last place I went to screwed up my order. I want things done right this time!”

The only thing you accomplish with this kind of statement is to set the other person on edge, which actually increases the likelihood they’ll make a mistake. Remember, the whole reason you’re visiting this different business is because you weren’t happy with how you were treated at the last one. If you really need to let someone know about your displeasure or feel you deserve some kind of special treatment for a bad experience, take it up with the company that is at fault, not someone else.

Instead of bringing your old problems with you, let yourself move on and give the staff of the new business a chance to outshine your bad experience. No matter how unpleasant things were at that other place, you will find a business that will make you happy, if you let them.

Tip 3: Don’t Abuse the Store’s Returns Policy

There’s a common perception that all retailers are huge mega-businesses with limitless resources, so you should be able to return anything for any reason. After all, it isn’t really hurting anyone and these big shot companies can afford it, right?

The vast majority of online businesses are not, in fact, big companies like Wal-Mart and Target. Very often they are small independent operations that are struggling to compete against bigger businesses while staying afloat in a tough economy. One of the great challenges these small businesses face is in the world of returns. Returns cost a tremendous amount of time and money — the merchant has to process the return with your order, inspect and restock the item if you sent it back, and pay credit card processing fees for the original purchase and the refund, if there is one.

There is no such thing as “friendly” or “harmless” fraud.

While you should never have to accept an item that’s faulty, broken, or not what you ordered, lately there’s been a tendency for some customers to exploit a business’s returns policy for maximum advantage. Abusing the returns policy and other forms of so-called “friendly fraud” can cripple that company’s ability to help other customers and ultimately you. So, before you decide to send it back, keep the following in mind:

Don’t return an item to one store that was purchased somewhere else.

It sounds like common sense, but this happens more often than you think. When you return something to a store other than where it was purchased, you are basically trying to force that company to buy stock that they may not necessarily need or want. Keep your receipts and remember where you made your purchases. If there’s a problem, don’t involve another store.

Don’t expect a retailer to pay return shipping because you don’t like what you bought.

Sometimes we all experience buyer’s remorse, but unless there’s something physically wrong with the item, it’s not the retailer’s fault. Once you buy something, it’s yours, and retailers who allow these kinds of returns are actually doing you a favor.

If you don’t want your purchase and the online retailer is allowing you to send it back, great, but don’t demand they pay charges for the return shipping. When you do, you are forcing a business to absorb a loss on something they made no income from for a bad decision you made.

Don’t buy an item, use it, and then return it because you don’t need it anymore.

Popular culture has almost turned this practice into an act of heroism — many of us have heard some inspiring story or another where some impoverished job-seeker wears a new suit to an interview, hides the tags, and then returns it to the store the next day. But, in most cases, the people who use this technique simply don’t want to pay for something they won’t need that often.

“More than once someone has ordered a cake topper and sent it back saying it wasn’t what they wanted or they didn’t get it in time for their wedding, but when we opened the box there was cake icing on it,” Ward says. “This isn’t harmless; these kinds of things put a big financial burden on small businesses.”

Retailers are not in business to loan you their inventory. If you buy something, use it without any problems, but then don’t want it anymore, find a different way to get rid of it. Donate it to a charity or set it out at your next yard sale, but don’t send it back to the merchant expecting a refund.

Tip 4: Don’t Be Stingy with Your Information

In today’s era of identity theft, junk mail, spam, and telemarketers, protecting your identity and your privacy has never been more important. It’s understandable that you want to make as little of your personal information available to the public as possible. But, when you withhold information like your email address or phone number from an online retailer, it makes it much more difficult for the merchant to follow-up on your order.

Providing contact information improves customer service and can speed up your order.

Remember, every purchase you make online involves a certain amount of trust. Kevin Begola, owner of an ecommerce jewelry website, explains, “Our products have a lot of customization options, and sometimes we need to follow-up with our customers to ensure everything is perfect. When a customer refuses to provide a phone number or email address, it makes it harder to get in touch with them if we need to. This is usually the number one factor for an order delay.”

Most online merchants will not start sending you spam or calling you twenty times a day the moment they have your phone number or email address, but they will be able to contact you quickly to resolve any issues that may arise.

If you’re concerned about what a business is going to do with your personal information, check the merchant’s privacy policy posted on their website, or ask how they will use or store anything you provide them. If you’re still not comfortable, you can shop somewhere else.

If you need to contact a merchant about a purchase, let them know who you are.

Also, if you are going to write a merchant with a question about your order, don’t make them guess your identity. Some merchants process dozens, hundreds, or even thousands of orders per day — a simple “where’s my order” email with no other information forces the retailer to play detective and will delay their response.

Anytime you contact a merchant about a purchase you made, be sure to provide your name, order number or confirmation number, and describe what you ordered and when. Also provide any contact information the merchant might need, such as a work number or cell phone number. This will guarantee a faster response to your questions.

Tip 5: Understand How Shipping Works

The number one complaint about online shopping has, and likely always will be, issues that arise from shipping. Shipping items today is faster and more reliable than ever, but it still takes time and mistakes can and do happen. Fortunately, if you understand a little about how shipping works and follow these additional online shopping tips, you can help ensure your purchases arrive on time, every time.

Check to see how your item is being shipped.

If the merchant uses a private company such as UPS, or if you request that an item be shipped that way, remember that these services cannot deliver packages to a PO Box. You will need to provide your actual home address.

Many online merchants, furthermore, will provide UPS or FedEx tracking information that will enable you to follow your package while it is in transit. Use this information to keep an eye on your package and to be appraised of when it’s going to arrive — doing this yourself is far easier and faster than writing the merchant and demanding to know where your order is.

Ship the item to a location where you or someone else will be available to receive it.

Some types of shipping and some shipping services require that someone be physically present to sign for a package at the time it is delivered. If no one is going to be available at your home to receive the package, consider having it sent to another location, such as the home of a friend or relative, or the place where you work.

Check then double check the accuracy of your shipping address.

Don’t automatically blame the merchant if your package is returned or delivered to the wrong address. Most of the time the problem is a detail like a wrong house number or misspelled street name entered by the customer.

Remember that the shipping time does not include processing time.

Once you’ve purchased an item from a website, it does not immediately box itself and jump into the arms of a waiting truck driver. Someone has to first process your credit card information, pull the item or items from their inventory, package them, and prepare them for shipping.

While this process is usually fairly quick, it’s not instantaneous, and some purchases will take longer to process than others. Also, orders placed late in the day or in the evening won’t likely be processed until the following day.

Learn to count shipping days.

The time it takes for an order to ship only starts the day after the package has left the facility where it was stored and is on its way to you. This means that if you request 3-day delivery on an order that’s shipped on Monday, it will not arrive until Thursday. Or, if you place an order in the evening on Tuesday but request Next Day Air, it will also arrive on Thursday, not Wednesday.

Shipping days do not count weekends and holidays.

Yes, we’re all used to receiving mail on Saturdays, but shipping services like UPS do not make standard deliveries on Saturday, and no one delivers on Sunday or holidays.

For example: Suppose it’s Thursday at 8 PM and you find a cool toy you want to get for your nephew’s birthday this weekend. You count Thursday, Friday, and Saturday — three days — so you choose 3-day delivery. However, the merchant likely won’t even see your order until the start of business hours on Friday. He or she may package the item that same day, but remember the shipping time only starts after the item has left, and UPS won’t ship on the weekend. So, even with 3-day-delivery your package won’t actually arrive until the following Wednesday.

If time is a factor, account for the nature of the purchase and the possibility of delays.

Sure, some items you purchase online may only need a mailing label slapped on the boxes and they’re ready to go, but others are going to take time. If you’re ordering something that’s being engraved, personalized, or custom made, then you’ll usually want to add at least a few days to the amount of time it will take to process your order — and even longer for some items. Remember, someone, probably a skilled artisan, is going to have to sit down and actually make your item — there is simply no possible way it can ship immediately.

There are also other issues outside of anyone’s control that can potentially delay your package. The number of other orders placed before yours, distance between you and the shipping facility, severe weather, even accidents can be a factor in the amount of time it takes to receive your purchase.

“We work with brides every day, so we understand that time can be an issue,” Ward says. “We pride ourselves on not missing wedding dates, and we get all our orders out as fast as possible, but things like engraving are always going to add to the time it takes to process an order.”

If time is a factor, finish your online shopping well in advance of the date that you need something. If, for whatever reason, you still need to order an item at the last minute, then work with the merchant to see what you can do to rush your package and receive it as quickly as possible. Don’t demand miracles, and don’t blame the merchant for your time constraints.

Once you receive your package, check the entire box.

Many packages arrive stuffed with Styrofoam peanuts and other packing material. If you open the box but don’t immediately see what you ordered, take a deep breath and check the inside of the box more thoroughly. Empty out all of those peanuts if you have to — more often than not you just missed the item the first time. Make sure you’re absolutely certain that your item hasn’t arrived before contacting the merchant.

Being a Better Customer Will Always Get You a Better Shopping Experience

Just as all of us are looking for businesses we can trust and enjoy dealing with, businesses are always hoping for great customers — serving those people is very often what inspired the owner to start their company in the first place.

“It’s such a pleasure when a customer becomes an active participant,” Bob Bryant says. “It’s truly rewarding when they understand all aspects of the transaction and start working with you.”

“We get really excited when the customer is excited,” Ward adds. “Sharing in the enthusiasm of a friendly, understanding customer helps us work better.”

When you keep an open mind, work with instead of against the merchant, be honest and open in your transactions, and understand a little of what goes into your order, businesses will go out of their way to keep you satisfied. All you need is a healthy attitude and a bit of patience and online shopping will be as convenient, as fast, and as fun as it was meant to be. Good luck and happy shopping!