Enduring the Financial Crisis

If you haven’t felt the effect of the financial crisis, you are quite lucky because I don’t know anyone who isn’t affected by it. My mom who runs a small shop that subcontracts jobs from big garment manufacturing companies noticed that job orders don’t come as often as they used to and her contractors are boldly begging for her to lower her quotations to the limits. In her despair to get some job contracts, she gives in to the demands of her contractors barely leaving her with profits. My mom’s business is too small compared to the company where my husband works but both felt the collapse of the economy.

My husband is in automotive industry so they are among the top businesses that are badly hit by the recession. He, as an employee, felt it too specially in the last two months. A designing project which normally needs 10 engineers to work on it is now forced on lesser number of engineers so that means my husbands and his colleagues will have to work more because their company cannot afford to hire additional staff.

Business owners this time are paddling so hard to fight the currents but what would work if your business is already way down the bend? Would a business loan help it cope with the slump? Maybe. But before you even consider getting a business loan, it is better to consider another source of funding and that is personal savings. If you have faith that your business can get back on track, why not use your own money. In this manner you won’t be worrying about interests and monthly payments. But if personal savings is not an option then get a loan but just be careful to choose the one that is for your business’ interests. Go for loans with lower interest rates and no closing cost or fees.

Thought on Loans

In my point of view, it is great that people can easily get loans. It is great that even those who are into a huge financial trouble and bad credit history can apply for some sort of loan. This system has  big benefits but what makes it bad is when people are not being responsible about it.

People should think that when they get themselves an online personal loan, a mortgage, payday loan, car loan, or others, they are actually capable of paying the loan back. One should never borrow more than what he can pay back within the agreed period of time. Otherwise, this great system of loaning people money when they  really need it will eventually crash.

So the next time you apply for a loan, think that there is also a responsibility attached to it.

Getting a Payday Loan

Applying for payday loans nowadays is like buying over the counter medicines. No doctor’s prescriptions needed. No hassles. It’s so easy. And there are a lot of companies such as Apex Payday Loan that specialize in fast online services for payday loans for those special times when you need a quick cash.

So when there’s a bill due and the pay check still needs another week or two to arrive, don’t use that “I don’t have my check yet” excuse. Get a help from Apex Payday Loan. It’s absolutely simple to apply and there no credit needed. Plus you can do it online anytime in the privacy of your own home. You can totally save yourself from the feeling of embarrassment whenever borrowing money from friends and relatives.

Save Money on Printer Inks

I am supposed to print out pages and pages of packing lists but I just found out that we ran out of black printer ink so I must rush out to the nearest ink refilling station. I know for a fact that buying printer inks is costly so I buy ink refills instead to save money. People say that alternatives to manufacturer-made ink cartridges will not give you the same quality print outs but I can tell you from experience that when it comes to black document printing, it really doesn’t make a difference. Unfortunately though, I still have to go out to get that refill unlike those of you living in the U.S. who should be thankful because almost everything can be delivered to your door step.

If you’ve haven’t heard about InkjetDeals.info, read this. InkjetDeals.info helps you save money on inkjet printer supplies. They offer high-quality generic and remanufactured cartridges that are compatible with your printer. Their information rich site helps you in choosing the right cartridges depending on your printer’s make and model. They’ve got almost all printer supplies for a lot of printer brands like Hewlett Packard, Canon, Epson, Dell, Lexmark and Brother.

Visit InkjetDeals.info now and get links to several online suppliers with low prices. Avail of substantial discounts or you may even get better deals on ink coupons for several ink cartridge stores that are listed at InkjetDeals.info.

Episode with a Chinese Taxi Driver

50rmb.jpgI am sooo mad at the taxi driver who just conned me. How? It was like this.

After my German Lesson yesterday, I decided to go to Walmart to buy some groceries. It was a nice weather. I thought I might need some fresh air after the stressful lesson so instead asking one of the subdivision’s security guards to get me a taxi, I cheerfully walk out of the subdivision and hailed a taxi myself.

When I got in, the cab driver murmured something in Chinese and I assume (my Chinese is bad) that he was asking where to take me so I said “Woh-eu-mah” while trying so hard to get the right tone and while trying so hard to ignore the awful smell that is filling the entire cab. I thought he understood because he started to drive but at some point, he started to make a turn towards the wrong direction so I tapped his shoulder and said “yi-zhi-dou” (straight ahead). He probably thought I have no idea where Walmart is and that he can just drive me around and ask for a hefty fare later.

So anyway, he followed what I said and just drove straight ahead. It’s a two minute taxi ride from our subdivision to Walmart so for sure, the taxi fare will not be over the minimum fare—5RMB. When we got there, I handled him a 100RMB bill because I don’t have smaller bills. He took it gave me the 95RMB change. I took it from him and put it in my pocket. When I was about to go out of the cab, he stopped me. Then he uttered something in Chinese while he was handling a 100RMB bill over to me. For a second, I was confused but I understood him the moment he said “bu hao” (not good) referring to the 100RMB bill. I looked at the bill and was 100% sure it was not from me. I gave him a crisp 100RMB bill. I showed him my other 100RMB bills which still have successive serial numbers, compared these to what he was giving me and the serials are completely far from the ones I have. At some point he gave up and he let me go.

To cut the story short, I went in the Walmart, took all what I need, and went to the cashier. The cash register showed a 233RMB bill for everything, I gave the cashier two 100RMB bills and 50RMB bill from the change I got from the cab driver. And here is where it makes my blood boil and rush to my head. When the cashier ran the bills through the fake detector device, we found out that the 50RMB bill is a fake! Fuck*** * Chinese driver! I mean really, Philippines has its share of annoying taxi drivers as well but here in China some are just plain evil! They don’t only stink…some of them con you as well in their stinky and falling apart cabs.

I won’t say they are stupid (although a lot of people have that opinion), they are not but they can play stupid whenever they think they’ll get the better end of the situation if the person they’re dealing with will just conclude that they are very stupid.

I’ve got a lot of awful experiences in taking taxi cabs here in China but until now I held my fingers from writing about them because I don’t want to offend anybody. I live in this country for more than two years now and I can honestly say that I like it here but there are just some things I can’t stomach! Like a stinky taxi driver in his stinky taxi cab conning you while gagging you with an utterly awful smell!

I would like to use all those strong foul words to refer to the driver but because of my kind nature (ehem!), I wont.

Before You Purchase a Car

We all know how expensive a car can be—specially the ones we really like, so it is important that we seek information before purchasing a car to avoid paying more than what is necessary. CarsBlvd.com is your one-stop assistant in purchasing a car. If you visit their site, you can get free car quotes from different dealers. This will enable you to choose for the cheapest or best offer. CarsBlvd.com also offers help with car loans and other matters concerning car purchase. So if you are to buy a car, this site is for you.

In Need of Quick Cash?

Websites that are offering loans are like mushrooms these days. There are just too many of them—payday loans, personal cash advance, small business loans, unsecured loans, credit cards, etc. You name it and you’ll certainly find it online so there is no excuse in borrowing money from friends and relatives.

Getting a cash advance online is very easy. So if you are short of cash, save yourself from embarrassment and borrow it from PersonalCashAdvance.com instead of borrowing it from your buddy who is most likely having some financial difficulty as well. Don’t worry because singing up and qualifying for a cash advance is fast and easy. In most cases, you just need to give some basic information about yourself and they most probably won’t require you to fax any documents. They will review your application immediately and once it is approved, they’ll electronically deposit the whole amount you applied for into your bank account. They offer up to $1500.00 for personal cash advances and normally, it will take just a few hours or a day for you to get your loan.

Paying it is also not difficult because they offer flexible payment options. You can pay the loan in full as soon as you have the money, pay the loan in full on the maturity date listed in the loan agreement, pay the finance fee and a portion of the principle on or before the maturity date, or pay only the finance fee on the maturity date.

Save a Whole Load of Money

savebucket1.jpgSaveBucket is a must visit site before you shop online. Why? Because SaveBuckets is a free online comparison shopping service that will help you get the best deals for products you want to buy online. They have computers, laptops, mobiles, laptop accessories and a whole lot more. They have a wide range of products from various shops to choose from.

So instead of looking from one online shop to another, why not just type the product you want on SaveBucket’s search bar and let Savebucket canvass it for you? This way you will be able to save a lot of time and effort and you can save a lot of money too by choosing the shop which offers the cheapest price.

Another great feature is you that can set the price range of the product you want to buy and Savebucket will search all shops for that product. And don’t worry if the search will give you zero results, SaveBucket will immediately email you once that product becomes available within your price range. So start your online shopping at SaveBucket now.