Auto Loans For Bad Credit Consumers – Credit Scores Do Not Matter Anymore!

If you have been looking for a new car or truck recently, you may have wondered whether your credit score will cross the lender pass mark. The sad truth is that credit scores have been dropping nationwide, as consumers are facing worsening economy and declining income. Banking crisis did not help much either, making many financial institutions tighten their criteria for new loans and increase the rates on existing ones. This all caused many of us to get behind on bills and loan payments, resulting in poor credit grades. Many people who had credit yesterday are challenged with poor credit situation today.Credit Scores and Auto LoansIn the past years, a credit score of 640 or above would easily qualify you for an auto loan. However, many people who enjoyed near-prime credit rating only a couple of years ago are now struggling in the mid-to-high 500 score range, finding it impossible to qualify for many loans and credit cards. The situation with auto loans is very different, however, favoring bad credit borrowers. As they are considered secured loans since the car you finance serves as collateral, there are less stringent requirements endorsed by banks and other lending institutions.Another important thing is that automakers were on the top list of industries who were hit the worst during the recession, and they are trying to make their way to higher sales. Therefore, they encourage auto lending today by lowering the criteria endorsed by their lending subsidiaries and by issuing incentives to independent lenders. This all resulted in more relaxed requirements for borrowers who are willing to take out an auto loan. That is exactly why today it is easier than ever to qualify for auto loans even with very poor credit scores.Go Online To Get the Best Lender QuotesDo slow auto sales and decreased lending mean that banks are going to approve you and offer the best terms possible? Not exactly. Traditional banks still endorse very conservative approach to application processing, filtering out candidates with past credit problems. The good news is that there are multiple online lenders who offer a more aggressive approach to auto loan underwriting. They are willing to take bad credit risk that traditional banks refuse to take. That is why in order to make your auto loan application a success you should seek all possible sources of financing.Online lending platforms offer a great deal of convenience for auto loan shoppers, as they allow making one application that is disbursed among participating bad credit auto loan companies. Thus, a consumer gets an unparallel advantage of getting attention of multiple auto lenders, ensuring better chances of approval and best possible auto loan terms. For many auto loan applicants it is only a matter of several minutes to get pre-qualified for a loan from online bad credit lenders. If all the supporting documentation is in place, such as recent paystubs and identity verification documents, the entire transaction may be completed the very same day. All you have to do afterwards is to walk into a dealer showroom to pick a car or a truck that appeals to you most, avoiding possible embarrassment, knowing that you have financing in place.

Business Travel Agents Tips: A Corporate Travellers’ New York Airports Guide

New York City is one of the most popular key travel destinations for corporate travellers worldwide. The city is the center of much that’s great, dynamic and profitable in America. It is home of one of the world’s principal financial centres (i.e. anchored by Wall Street), and a popular business hub for the publishing and entertainment industry at the same time. So, it’s no surprise it features three airports, Newark Liberty International Airport (EWR), LaGuardia Airport (LGA) and J. F. Kennedy International Airport (JFK). As a frequent corporate traveller you probably may have flown to one of the three New York airports at some point or another. With JFK being a major international gateway to the US, this city guide aims to provide some helpful travel agents tips for corporate travellers flying to or from JFK Airport.New York JFK Facts & FiguresLocated about 25km away from Manhattan in Queens, JFK Airport is the largest airport in the state of New York and one of the busiest business travel hubs (over 50 million travellers/year) in the US and internationally. It has six operating terminals (numbered 1, 2, 4, 5, 7, 8; terminal 6 was demolished in 2011, Terminal 3 in 2013). Currently, the 4th runway is under redevelopment to comply with the needs of Group VI aircraft (until December 2015 as planned so far), which may cause delays, but measures are in place to minimise them, so you shouldn’t be too much affected. With more than 90 airlines arriving and departing from JFK, various business travel solutions for flights to New York can be arranged. Points of origin and destinations include places within the US, Canada, Latin America, Europe, Africa, Asia and Pacific, Australia/New Zealand, basically all over the world. The airport offers corporate travellers a choice of non-stop flights to about 100 international destinations which may prove convenient for your next business trip. However, JFK is very susceptible to weather-related delays due to its position. Corporate travellers are well advised to consider and prepare for possible thunderstorms in summer, causing delays across the US, as well as snow, icing and assorted slush throughout the winter season. For the months between June and November the risk of potential hurricanes is increased.In general, our business travel agents team advise leisure and corporate travellers to allow plenty of time for getting to and from JFK. Serious traffic incidents on the way between the city and the airport left many wondering whether they’ would be able to make it in time or miss their flight. Furthermore, don’t forget that this is America. Therefore, bear in mind that the TSA rules supreme over security checkpoints. So, take a deep breath and take maybe a book with you or something else to keep you busy. Make sure you arrive early.Useful JFK terminal facilities for corporate travellers In most public areas within most terminals, corporate travellers will conveniently find that Wi-Fi is available for free for up to 30min. You can get online near the ticket counters, boarding gates, designated work stations and food courts. The Wi-Fi access is provided by Boingo Wireless Company. If you need to use the internet for longer than 30mins., consider the following options: 1) $4.95 (£3.01, €3.77) per hour (pay as you go), 2) $7.95 (£4.83,€6.05) for unlimited access throughout a 24-hour period (day pass), 3) $9.95 (£6.04,€7.58) per month (unlimited access via a monthly subscription, to be used worldwide), or 4) if you already have a user account, simply log in using your user name and password. ATMs, currency exchange options (Lenlyn or Travelex), a rental phone shop, and more than 100 shops alongside various dining options are available at the terminals.Ground transportation services from JFK Airport to New York CityThe most convenient, stress-free way for travel from and to JFK Airport is to take the AirTrain. It is a cost efficient and helps you make sure you arrive at the airport in time, whilst avoiding possible traffic jams. You can access AirTrain services via the New York City subway system, which is also connected to the Long Island Railroad (LIRR). The journey from/to the city takes just over an hour. AirTrain is operated 24 hours on 365 days a year. Within the airport area, it connects terminals and also enables you to easily access car rental services, hotel shuttle areas and parking lots. At peak times the trains depart every 7 minutes and at off-peak times they go every 15 minutes. However, be clever in choosing your business travel route, as various routes make different stops within the airport. Good news for corporate travellers is that travel within the airport is usually free of charge. However, travel outside the airport is subject to a fee. AirTrain prices generally start from $5 (£3.04, €3.81). For more details on ticket prices are provided on the JFK Airport website under costs and tickets. If you travel via New York’s public transport network, then it is a good idea to use MetroCard, which is widely accepted and is worth to purchase for travel via subway, local trains, or buses. You can find vending machines for buying a MetroCard at Howard Beach and Jamaica Station. A good alternative for corporate travellers would be to take a taxi (for up to 4 passengers). Simply wait in the cab line for a licensed and insured cab to take you to your destination (about $52, i.e. about £31.58, €39.59, flat rate between JFK and Manhattan, excluding tips and tolls). The time for this trip should be about an hour. However, it can take much longer during rush hour.Shared-ride shuttle services are a cheaper option than taxis, but can involve a lot of waiting and being driven around New York City to drop other people off first. You can find a full list of providers on the airport authority’s website. But remember to tip appropriately, as tipping (around 20% of transfer cost) is quite common and keep in mind that bridge/tunnel tolls are not included in the shared-ride shuttle services fares. Another option is to ask your business travel company to arrange a shuttle service for your trip from and to John F. Kennedy International Airport as prices can vary greatly depending on location and number of passengers. In this way you can ensure that you are travelling with a reliable supplier.An express bus service is also available for a nominal fee from Penn Station (reachable e.g. by AirTrain or taxi). The service operates from early morning to late night, with buses running at least every half hour.The airport is also home to several car rental agencies. Leisure and corporate travellers can choose between a number of car major rental companies including Advantage, Thrifty, Dollar, Enterprise, Budget, Hertz, National and Avis.So, which mode of transport should corporate travellers choose for a trip from JFK to Newark and LaGuardia airports? Usually the best way to get to Newark Airport from JFK Airport is to simply take the AirTrain. However, if you need to travel to LaGuardia during your business trip, it we recommend to take advantage of a convenient shuttle bus service, using the free Route A (running every 10-15 minutes from 4:00am to 11:30pm) or Route B (running every 10-15 minutes from 6:00am to 2:00am). In any case, more details, also for connections to other airports, are available on the JFK Airport Connections page.Hotels near JFK AirportHotel booking services for corporate travellers flying to New York JFK AirportAlthough there are no operating hotels at JFK Airport at the moment, New York provides corporate travellers a huge choice (from budget accommodation to luxury suites) of hotels and motels, which are conveniently located nearby the airport. Most hotel accommodations nearby offer shuttle services. Alternatively you can take the AirTrain to the Federal Circle station and follow the “Courtesy Hotel Shuttles” signs. There are telephone services for the hotel courtesy shuttles located at the AirTrain Federal Circle Station and in the arrival areas of the airport terminals ($5, i.e. about £3.04, €3.81, Service Charge for making reservations). The range of motels and hotels include the Hilton*, the Courtyard* by Marriott, Hampton Inn*, Sheraton*, Hilton Garden, Comfort Inn, Holiday Inn Express, Fairfield Inn* by Marriott, Days Inn, Best Western and Howards Johnson. The ones marked by an * are also offering conference and meeting rooms for corporate events.© Copyright Flightline Travel Management Ltd. All rights reserved. All prices correct at time of publication.In part two of our New York City Airport guide we’ll provide you with some business travel agents insider tips on Newark Liberty International Airport (EWR) and LaGuardia Airport (LGA).

Choosing the Right SEO Company for Good SEO Results

SEO Company – Authentic Solution to Enhance Online BusinessThe role of an SEO company is very important when it comes to promoting your online business. According to current day trends in internet marketing, it is essential to choose the right SEO service provider for good results. Some common responsibilities of an SEO company include website design, creation of back links, content writing, website optimization, directory submissions, video creation, press releases, blog posts, selection of suitable keywords, and much more.How to Identify a Professional SEO Firm?A professional SEO company is capable of delivering the best results to satisfy the requirements of clients. By availing of the services of professionals in the SEO field, you can enhance your website rankings and online presence. SEO experts are well-versed in the latest techniques that will help in achieving high ranks for your website in search engine result pages.Certain things are to be confirmed before signing a contract with an SEO company.

Credibility – Check the authenticity of the SEO firm. Ensure that it can deliver quality SEO services in accordance with your demands.

Experience – Experience in the field always matters with regard to delivering quality output without errors. Do background research about the firm to ensure its consistency, reliability and confidentiality.

Affordable solutions – Compare the price tags of different SEO companies to select an affordable, professional SEO company.

SEO techniques – A professional SEO firm implements the latest SEO strategies to bring about optimum results for client websites.

Expert workforce – Eminent and experienced team of employees are the backbone the company. They are dedicated to performing various tasks accurately and consistently to satisfy the website requirements and goals. They often focus on creating brand awareness and enhance your online revenue by placing your website in top positions in search engines.

Customer relationship – A professional SEO service provider always give preference to customer care and round the clock customer support. They also keep in contact with you to inform about SEO developments and current market trends.

Client testimonials/feedback – Portfolios of clients help to identify the best service provider out of many. Also, check the authenticity of feedbacks and testimonials posted on the website.

High profile client list – Evaluate the success stories of previous projects for well-known clients. Analyze the procedures involved in completing a particular project.

Seek the advice of business partners or relatives- Talk with people who have already used search engine optimization services to make an informed decision.
Relevance of an SEO companyYou must clearly set your goals about search engine optimization services to improve website traffic and search engine rankings. SEO services help to integrate your website with social networking sites for international brand recognition to generate leads and increase online sales. Hence take enough time and choose the right SEO Company for good SEO results that will fuel the business growth in the long-run and help avoid wastage of money and time.