Rafter J Funding Services Named Fifth Best Merchant Cash Advance Service by …

NAPLES, FL–(Marketwired – January 14, 2015) – topcreditcardprocessors.com has named Rafter J Funding Services the fifth best merchant cash advance service for January 2015. Rafter J Funding Services was selected due to their strong performance in the genuine evaluation process. While there are thousands of services competing to be the best, the rankings consist of only the 30 best companies offering a variety of payment processing solutions.

The independent research team at topcreditcardprocessors.com performs an in-depth evaluation of the competing services in order to stay informed of their latest developments within the industry. Performing services are put to the test...

January 26, 2015

Bridgingwatch: Parallel lines

The obvious similarities are in the way that many lenders are funded and the flexibility illustrated in finding ways to complete deals. This is in stark contrast with many of the more traditional lending institutions, which still seem intent on finding ways not to lend. 

This attitude and ability to problem-solve at a variety of levels also provides a platform to form an identity and be able to focus on different types of lending rather than aiming to be a ‘one-size fits all’ model, which, more often than not, ends up achieving little.

With lingering issues surrounding mainstream markets when stimulating any type of lending away from the most vanilla of cases, it is clear...

January 26, 2015

Basic, easy-to-follow money-saving tips most people overlook

We also asked our (now-favorite) financial experts for some money-saving tips they recommend.

Heres their advice:

Download phone apps that alert you to discounts, such as RetailMeNot or Targets Cartwheel app. Immediately transfer the money you saved on your purchase to your savings account. Setting up an automatic draft from your bank account to your savings account will help build your emergency fund and reduce the need to use debt to pay for unexpected expenses. Lazetta Rainey Braxton, registered investment adviser and founder/CEO of financial planning firm Financial Fountains

January 26, 2015

Money-Saving Uses For Snow and Ice

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Im a margarita-glass-half-full kinda gal. So when snow and ice cover my house and yard, I dont curse the weather gods; I use the cool stuff to save money on desserts, drinks and even electricity.

The trick is to collect fresh snow and icicles before theyre contaminated by auto or animal pollutants. Icicles pick up any contaminants on roofs and trees. So if your roof is covered with bird poop, your trees are sprayed with chemicals, or for any reason you think the icicles and snow arent pure, dont eat any.

But if you trust the purity of your snow and ice and still...

January 25, 2015

Energy Conservation and Efficiency Market – Global Industry Analysis, Size …

Transparency Market Research Report Added Energy Conservation and Efficiency Market to its database.

Albany, NY — (ReleaseWire) — 01/06/2015 — Energy conservation is reduction in amount of energy consumed, whereas energy efficiency is using less energy for any constant service. Both are energy reduction techniques. Energy conservation results in increased environmental quality, personal financing security and national security. The Energy efficiency markets distributes goods and services which reduces energy used to fuel our economies.

Browse Full Report with TOC: http://www.transparencymarketresearch.com/energy-conservation-efficiency.html

The concern...

January 25, 2015

6 Money Tricks for Big Savings in 2015

Frugal shopping is often associated
with coupons, deals and everyday purchases. It tends to take center stage
when it comes to money saving tips. While extremely useful, sometimes the
smarter choice is to focus on saving on big purchases and tightening up money
leaks instead. On that note, here are six money tricks that will help you save
more this year:

1. Keep big wins in mind.

Crystal Hammond of SophisticatedSpender.com is reminded
daily of the savings she gets from her credit union. She
says she got a great rate on her auto loan, which she thinks about every time
she drives her car. The loan process also saved her time because she was able

January 25, 2015

Lenders, consumers will be hurt by database rule

I recently read an editorial in the Montgomery Advertiser supporting a statewide database the Alabama Banking Department is going to force on the short-term lending industry by June 1. It seems like about this time every year, the rhetoric from the far-left liberals opposing the industry really begins to crank up.

Personally, I have seen firsthand the services of short-term lending, and I know the role we play in helping those in need of a small loan – for a variety of reasons – when there are no other options.

There have been times when consumers comes in our store who do not have the money to pay their bills at the end of the month, and banks are not an option for a short-term,...

January 24, 2015

3 Value Stocks Near 52-Week Lows Worth Buying

Why has Meritage struggled for nearly a year now? A lot of it has to do with the expectation that the Federal Reserve will raise short-term lending rates in 2015. Low mortgage lending rates are critical to getting homeowners to make the leap from renting to home ownership, and even small moves higher in interest rates can cause a big downward move in housing-market demand.

Furthermore, Meritage shareholders were clearly worried by weaker quarterly results from rivals Lennar and KB Home, which saw their homebuilding margins decline on the heels of higher labor and materials costs and slower housing-price growth.

However, working in Meritage Homes favor is the fact that it builds...

January 24, 2015


In the course of 3 months, I have received 4 bags for free from various special events. I keep these bags and fold them up and keep them in my coupon bag.

These reusable bags can actually pay you to shop! Did you know that Target and the Post Exchange (PX on military installations) give you credits for bringing and using your own bags?! They offer a $.05 credit for each bag used.

On average, I use about 5 bags ($.25 credit) at Target and 3 bags ($.15 credit) at the PX. These are offered even when you use store coupons and manufacturer coupons! (At Target, in addition to the bag credit, store coupons, manufacturer coupons; you can also get 5% off when you use your Target REDCard...

January 24, 2015

Get to know a lender before you need a loan

If you’re tempted to visit a local bank to get a loan quickly, here are three basic issues that improve the probability of success when a commercial loan is needed.

1. Common types of borrowing

Most often, customers seek financing for two things: a new piece of equipment or working capital.

The new equipment can be justified if it will improve efficiencies or allow the business to attract new customers through a new product offering. In either case, the goal is to increase profits. Show the banker the impact.

Working capital needs are less obvious and just as essential in most cases. Working capital is the operating liquidity available to a business and can involve...

January 23, 2015

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