Online Auto Loans For Bad Credit : Tips To Get The Financing You Need

People with bad credit or bankruptcy can now get online auto loans for bad credit. Whether you need loan for new or old car, you can get online car financing for bad credit.

AutoLoansForEveryDriver provides online auto loans for bad credit. You can access details of these loans from your mobile device from anywhere in the United States. To apply for online car financing for bad credit at AutoLoansForEveryDriver, you will need to fill up an online application form. You will need to furnish details about your employment, such as duration with your current employer and the monthly salary that you earn. AutoLoansForEveryDriver promises total security and privacy of your personal information shared in the online application form.

Using the online calculator, you can ascertain the amount of the online auto loans for bad credit that you can get approved for. You will need to choose your credit score range from the options provided, furnish details of your pre-tax monthly salary, and your monthly expenses. Based on your inputs, the loan amount is calculated.

Get Online Auto Loan Even If You Have Bad Credit! Request Your Free Quote Here and Get Fast Approval for Car Loan in Seconds

Before you apply for online car financing for bad credit, ensure that you fulfill the prescribed eligibility criteria. You must be a US citizen above 18 years of age and should earn a minimum of $2,000 gross monthly income. If you have a bad credit, you can apply. But, car loan for private party, refinance, private party auto loan with bad credit, and loans for motobikes are not made available at AutoLoansForEveryDriver. Also, if you have had a repossession in the last 12 months, you cannot get online auto loans for bad credit. In case of bankruptcy, creditor hearing should have been completed for chapter 7 bankruptcy; while for chapter 13 bankruptcy, you must furnish a letter fron Bankruptcy Trustee.

AutoLoansForEveryDriver offers online car financing for bad credit and, in many cases, does not require down payment. If you have been denied auto loans for bad credit in the past, chances are you will likely get approved at AutoLoansForEveryDriver, if you meet the prescribed criteria.

With a network of dealers spread across all the 50 states in the US, AutoLoansForEveryDriver is able to work out loan amounts and other terms to suit your needs. AutoLoansForEveryDriver gives you the ability to find online car financing for bad credit from the privacy of your mobile phone. You only need to fulfill some basic criteria and you can get approved in a few hours.

FAQ: Everything you wanted to know about tipping

Only non-supervisor employees who provide service to diners such as servers, busboys, bartenders, hosts, line cooks and dishwashers can be part of the pool.

Line cooks and dishwashers? I thought kitchen staff couldnt participate in the tip pool because they do not provide direct table service?

That was true until a few years ago. In California, the idea that tips may be earned only by those who provide direct table service is rooted in a 1990 appellate court case, Leighton vs. Old Heidelberg, Ltd. The restaurant in question, Old Heidelberg, was the German restaurant of choice if you lived around Van Nuys (there were lederhosen and schnapps). A server, unhappy that the tip pool included busboys and bartenders, sued the restaurant. In validating the restaurants tip pool arrangement, the court said that the restaurant simply followed a house rule which is the industry practice, that tips left on table be pooled and distributed among employees who directly provide service to the tipping patron. That language caught on and was widely interpreted to mean that only those employees who come face-to-face with diners can be included in a tip pool. Which meant that cooks were left out of the pool.

That narrow interpretation of service doesnt quite correlate with the reality of the dining experience, of course. After all, how much you tip may be just as dependent on a servers friendliness as it is on whether the steak was cooked correctly. And in 2009, an appellate court agreed. The case was Etheridge vs. Reins International; the tip pool in question included kitchen staff, bartenders and dishwashers. The court, rejecting the idea that only those in the direct chain of service may receive tips, noted that, because the kitchen crew isnt visible to most diners, its critical to include them in a tip pool.

Stephen Berry, a partner at Paul Hastings employment law department who also cowrote an amicus brief in support of the restaurant in the Etheridge case, says that the case is still good law in California. And for what its worth, the Department of Industrial Relations, the agency entrusted with enforcing the states labor laws, notes in its own Frequently Asked Questions that employees who are in the general chain of service may receive tips so long as their role bears a relationship to the customers overall experience.

But doesnt federal law say that cooks cant be part of the tip pool?

Yes and no. The federal law that governs tip pooling is the Federal Labor Standards Act (FLSA), and the Department of Labors guidelines explicitly exclude cooks and dishwashers from tip pools. But the 9th Circuit, which has jurisdiction over two territories and nine states, including California, decided in a 2010 case that the tip pool provisions of the FLSA dont apply to states (like California) that dont credit tips against an employers minimum wage obligations (the so-called tip credit) meaning that a restaurant may include its kitchen staff in its tip pool without running afoul of federal law. As one might expect, the department did not agree, and litigation followed after that. The relevant case, Oregon Restaurant and Lodging vs. Perez, is pending in the 9th Circuit, so the department isnt enforcing its position on tip pooling in 9th Circuit states like California that dont take the tip credit.

What does tipping have to do with the minimum wage?

In states that take the tip credit, quite a lot. Employers in tip credit states may apply an employees tips against their minimum wage obligations, though how much an employer must pay before taking the tip credit varies from state to state. Because California doesnt permit employers to take the tip credit, employers are required to pay their employees the states full minimum wage (currently $10 per hour), regardless of whether the employee also receives tips. Thus in some high-end restaurants, the front of house crew may earn considerably more than the kitchen.

Tien Nguyen is a Los Angeles-based food writer and lawyer.

food@latimes.com

Businesses brace for minimum wage impacts

The state minimum wage increase that took effect Friday raised the pay of the state’s lowest-earning workers by 75 cents an hour, but that increase is bigger than it seems, says JoAnne Schaber, co-owner of Rudy’s Redeye Grill in White Bear Lake.

The restaurant and attached Best Western Plus White Bear Country Inn, owned by Bill Foussard, employ about 220 people. About three-quarters of the staff will see a pay increase.

“I realize 75 cents doesn’t sound like a lot,” Schaber said. “But then you multiply it by as many employees as we have and as many hours, and it adds up.”

Schaber’s worry is common among businesses as the state’s first minimum wage hike since 2005 takes effect. But recent analyses of minimum wage increases in the nation haven’t found significant impacts on businesses.

Minnesota’s minimum wage has been $6.15 an hour for large employers and $5.25 an hour for small employers, although the $7.25-an-hour federal standard applied for most workers.

The new state law creates a five-tiered system that ramps up the minimum wage over the next three years. The law initially sets an $8 floor for employers with more than $500,000 in gross sales. The minimum wage climbs to $9 a year later then to $9.50 a year after that. In 2018, it will be indexed to inflation.

“For a lot of workers, this will be the first 75-cent pay raise they’ve seen in a long time,” said state Rep. Ryan Winkler, DFL-Golden Valley, one of the proposal’s major supporters.

The minimum wage for employers with less than $500,000 in gross sales will be $6.50 in 2014, $7.25 in 2015 and $7.75 in 2016. Workers younger than 18 and new employees will have the same minimum wage. Employees here on non-immigrant visas will have a $7.25 minimum wage in 2014 that will grow by 25 cents in 2015 and in 2016.

House Majority Leader Erin Murphy, DFL-St. Paul, said the business community’s worries are overblown. “I think this debate recycles every time we have a conversation about the minimum wage, and I think every time it’s proven false,” she said.

A March survey of minimum wage studies by the University of California, Berkeley didn’t find any analyses that had uncovered “statistically significant negative effects on employment or hours” arising from state and federal minimum wage increases. The three “rigorous” studies of local minimum wage laws didn’t find any negative effects on hiring either.

For restaurants, a 10 percent minimum wage increase boosts operating costs by 1 percent to 2 percent, according to the survey. The restaurant industry also raised prices by about 0.7 percent after a 10 percent minimum wage increase and 2 percent to 3 percent after a 25 percent increase.

“Almost every time government comes in and does something good for workers, we hear the same doom and gloom from the same people,” said Chris Shields, communications director for the Minnesota AFL-CIO.

But workers who make more than minimum wage will want more money, too, Schaber said.

The increase will help in contract negotiations, acknowledged Lance Lindeman, business manager for Office and Professional Employees International Union, Local 12. Although the union’s 2,800 members make more than minimum wage, Lindeman expects that they’ll argue the floor has been raised and their wages need to keep pace with that. Winkler thinks workers already making the new minimum could see their pay grow.

Stores and restaurants could try to combat this by moving more quickly to replace workers with automated ordering, such as tablets and kiosks, warned Ben Gerber, manager of energy and labor/management policy for the Minnesota Chamber of Commerce.

Winkler countered that automation would happen anyway — the higher minimum wage simply allows workers to benefit from the productivity gains.

Restaurants have attracted particular attention because of their reliance on tipped workers who often make more than minimum wage once tips are taken into account. Minnesota is one of just seven states that do not credit tips toward the minimum wage that employers must pay, said former Republican legislator Dan McElroy, the president and CEO of Hospitality Minnesota.

Sit-down restaurants could eliminate server positions by taking orders at the counter, turning $25-an-hour server jobs to $10-an-hour jobs at fast casual restaurants, said McElroy, a former state commissioner of employment and economic development.

Hospitality Minnesota wants a sixth tier for tipped employees that would allow companies to pay tipped employees the federal minimum wage of $7.25 if they average at least $12 per hour in wages and tips combined. If the workers didn’t make that much, employers would have to pay them Minnesota’s new minimum wage.

Hospitality Minnesota will return to the Legislature in 2015 to ask for an additional tier for tipped employees, McElroy said. In the near term, he expects restaurants to raise prices a bit, give more tables to each server and reduce hours slightly.

Schaber said there’s a limit to the costs her restaurant can absorb.

“We sell a lot of hamburgers. How many hamburgers are you going to sell for $15?” Schaber said. “What’s going to happen is people just stop coming.”

Senior Hour – July 23, 2014

Hosts: Dr. Gene Dorio and Barbara Cochran
Guest: Darbe Nokes AKA The Credit Gal and Rosemary Murphy of Beyond Harmony
Topic: The Painful Realization Of Damaged Skin amp; Credit Tips From The Credit Gal

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Click Here To Listen!

Listen to all The Senior Hour Podcasts here!
Every Wednesday at 11 am, tune into KHTS AM 1220 to listen in on the Senior Hour Show.  Hosts Dr. Gene Dorio and Barbara Cochran discuss senior living and issues that our seniors face here in Santa Clarita.

The Senior Hour:
First up on the latest edition of The Senior Hour was Rosemary Murphy of Beyond Harmony. Rosemary shared many of her life experiences which led her to her current place in life, and how to prepare listeners for a better and more beautiful future. For example, being President of the Beyond Harmony Medical Spa in Santa Clarita was not a flip of the switch career choice. She mentioned how she is currently paying the price of not wearing protective sunscreen in her youth, and demands listeners pay attention to what she is preaching, because it will save them an enormous headache, and possibly even expensive medical bills in their future. She also explicitly warned, sunscreen and sunblock is meant for all skin types. Just because someone is darker than a caucasian person, and does not burn – does not mean their skin is being damaged by the sun’s rays! After Rosemary Murphy, The Senior Hour hosts invited Darbe Nokes AKA The Credit Gal to talk about life, money, savings and credit tips that can lead anyone, young or old, into success.

Every Wednesday at 11 am, tune into KHTS AM 1220 to listen in on the Senior Hour Show.  Hosts Dr. Gene Dorio and Barbara Cochran discuss senior living and issues that our seniors face here in Santa Clarita.

Get all the information you need of The Senior Hour here!
Full list of the KHTS Podcasts!
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Senior Hour – July 23, 2014

Article: Senior Hour – July 23, 2014
Source: Santa Clarita Podcasts
Author: Peter Marquez

The Top 10 Consumer Complaints of 2013

A dissatisfied customer typically is not a quiet one: Venting to friends, launching a social media assault on the offending service provider and exchanging tense words with customer service representatives are among Americans favorite ways of dealing with bad experiences. You can also reach out to agencies dedicated to resolving consumer issues, and because of those complaints, the Consumer Federation of America has a good idea of what bothers people most.

Today, with the North American Consumer Protection Investigators, the CFA released its most recent edition of the top consumer complaints. The rankings are based on 268,380 complaints received in 2013 by 40 agencies in 23 states that responded to the national organizations survey. The top issues remained the same as they were in 2012: issues with automobiles and associated services; home improvement and construction; and consumer credit and debt.

Consumers Biggest Complaints

In their report, CFA and NACPI noted mostly the same local agencies responded to this and last years survey, but some did not, and a few new ones reported 2013 complaints. As a result, the rankings are only a snapshot of top complaints to participating agencies, and shifts in rankings from previous years arent necessarily indicative of an increase or decrease in problems within certain industries.

Here are the most common complaints among the thousands included in the report:

10. Fraud
2012 ranking: not in top 10
Includes fake sweepstakes and lotteries, work-at-home schemes, grant offers, fake check scams, impostor scams

9. Health Products amp; Services
2012 ranking: not in top 10
Includes misleading claims, unlicensed practitioners and failure to deliver services

8. (tie) Home Solicitations
2012 ranking: 7
Includes do-not-call violations and misrepresentation or failure to deliver products solicited by phone, mail or door-to-door sellers

Internet Sales
2012 ranking: 9
Includes deceptive marketing, product misrepresentation and failure to deliver products

7. Landlord amp; Tenant
2012 ranking: 8
Includes rent disputes, illegal eviction tactics, failure to provide promised services and unhealthy or unsafe living conditions

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6. Utilities
2012 ranking: 4
Includes service problems and billing disputes with phone, cable, satellite, Internet, electric and gas services

5. Services
2012 ranking: 6
Includes lack of proper licensing, failure to deliver, misrepresentation and poor work

4. Retail sales
2012 ranking: 5
Includes deceptive marketing, failure to deliver products, defective merchandise and issues with coupons, rebates and gift cards

3. Credit amp; Debt
2012 ranking: 3
Includes predatory lending, deceptive marketing, billing and fee disputes, credit repair, debt relief, mortgage modification and illegal or abusive debt collection tactics

2. Home Improvement amp; Construction
2012 ranking: 2
Includes shoddy work and failure to start or complete projects

1. Auto
2012 ranking: 1
Includes deceptive marketing in sales of new and used cars, leasing and towing disputes, lemons and faulty repairs

Unleashing a flood of rage on social media platforms might get you somewhere, but working with a consumer advocate may help, too, especially with issues involving large sums of money, your health and your safety. Of the 40 reporting local agencies, 35 provided figures on issue resolution: They saved or recovered more than $139 million for consumers in 2013 through mediation and enforcement actions, the report said.

The top three complaints make sense, considering how consumer activity in those industries often involve a lot of money. Thats why theyve consistently been top complaints, CFA and NACPI concluded. Losing money to debt relief scams, useless repairs and faulty home or car products can put consumers in dire financial circumstances that may have serious consequences for their well being, as well as their credit standings.

Credit is always at the top of the list when it comes to consumer complaints and scams, said Gerri Detweiler, Credit.coms director of consumer education. Dealing with credit problems can be frustrating, and consumers dont always know their rights. But if they do take the time to look at their options they may find there are consumer protection laws and resources that can help.

Consumers seeking help with their credit or debt should regularly monitor their credit throughout the process and maintain consistent communication with any third parties helping them navigate the industry. Its a good habit to request your free annual credit reports, but its especially helpful to do if youre going through credit or debt issues. You can also learn a lot by following changes to your credit scores. You can get two free scores through Credit.com, in addition to credit tips tailored to your needs.

More Money-Saving Reads:

  • What’s a Good Credit Score?
  • What’s a Bad Credit Score?
  • How Credit Impacts Your Day-to-Day Life

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BBB advises against State Fair giveaways

Dozens of Kentucky State Fair commercial booths offer visitors a chance to sign up for free gifts or products, but the Better Business Bureau advises caution in divulging personal information to the vendors to be eligible for the freebies.

By giving the promoter your name, phone number and address, you could receive unwanted credit cards in the mail as well as unwanted phone calls from telemarketers, said Reanna Smith-Hamblin, spokeswoman for the bureau that serves Louisville, Southern Indiana and Western Kentucky.

The local bureau will have a booth at the 2014 State Fair, located in the Main Street Kentucky exhibit in the South Wing of the Kentucky Exposition Center. Visitors can get a copy of the bureaus latest Wise Buying Guide and also get information on common scams, credit tips and ways to protect personal information.

MORE STATE FAIR: Kentucky State Fair adds energy

MORE STATE FAIR: Kentucky State Fair travel options

MORE STATE FAIR: Kentucky State Fair: Information you need

Here are some bureau tips on visiting the State Fair:

o Dont give your information out to everyone who asks. By giving out your name, phone number and address, you are inviting unwanted credit cards in the mail, as well as unwanted phone calls from telemarketers, the bureau said.

o When you sign up to win a prize, you are establishing a business relationship with the company promoting the prize. The business may then contact you, regardless of any no-call list. The business also may sell its contact lists to third parties, prompting more calls, emails and mail.

o Beware of new products on display. Be smart, and ask questions about the product and the company selling it.

o Before buying a product, check the packaging and the printing on the packaging to try to see if the materials are as advertised.

For more information, go to bbb.org.

Reporter Sheldon S. Shafer can be reached at (502) 582-7089. Follow him on Twitter at @sheldonshafer.

$15 minimum wage supporters at City Council meeting

Quick Facts:

  • City Council unanimously votes for $15 minimum wage Monday afternoon.
  • Phase-in period starts in April 1, 2015. Trainees will get lower wage.
  • The minimum wage would be highest in the nation.
  • Socialist City Councilwoman Kshama Sawant wanted higher wage in January.

Before the ink is even dry on the new, historic minimum wage law for Seattle, new resistance is coming from many sides.  Some threaten a lawsuit, some may take their ideas to the ballot, and others want to oust the firebrand who made the $15-dollar minimum wage her campaign platform.

Seattle will soon have the nation’s highest minimum wage after a historic 9-0 vote Monday by the City Council, outlining a phased-in $15 minimum wage.

Some critics say the mayors plan is not enough. Others say it will lead to layoffs and higher prices for consumers.

Immediately after the vote, the International Franchise Association President and CEO said a lawsuit would be filed against the “unfair and discriminatory Seattle minimum wage plan.”

“The Seattle City Council and Mayor Murray’s plan would force the 600 franchisees in Seattle, which own 1,700 franchise locations employing 19,000 workers, to adopt the full $15 minimum wage in 3 years, while most other small business owners would have seven years to adopt the $15 wage,” CEO and president Steve Caldeira said in a statement. “These hundreds of franchise small business owners are being punished simply because they chose to operate as franchisees.

“Decades of legal precedent have held that franchise businesses are independently owned businesses and are not operated by the brand’s corporate headquarters.”

Activists with 15 Now rallied in front of City Hall at 1 pm before the full City Council’s 2 pm vote.

In that minimum wage plan, which was passed unanimously last week by a city council committee, big businesses must phase-in the new wage in three to four years.

Small businesses have four to seven years.

But activists were not happy with the following components of the plan:

? During the transition period, some businesses will be allowed to credit tips and health care as part of the higher minimum wage.

? Trainees will get a lower minimum wage and the phase-in period would be delayed until April 1, 2015.

Independent restaurant owners say tips should always be considered part of worker wages.  Angela Stowell of Ethan Stowell Restaurants says tips are included in what is reported on her employee’s income tax reports, and so they should be included in the minimum wage requirements.  “We can show that our front of the house employees are making 35-50 dollars an hour sometimes,” she explained.

Stowell says during the seven year transition period, she and other restaurateurs will continue to press the city to reconsider their tip policy, “Some continued work is going to have to happen in order for the Seattle restaurant scene to stay lively and vibrant.”

She also says she believes many small business owners will get behind a candidate to oust Socialist councilmember Kshama Sawant next year.  Stowell says she is a progressive business owner and resents having been grouped with “corporate interests” during the minimum wage debate.  “I will be happy to support a candidate running against her [Sawant] in 2015.”  

Sawant tells KIRO 7 she has no fear of political retribution, “When businesses campaign openly against me, they will be showing where they stand.  They will be showing they are against lifting workers out of poverty.”

Sawant actually wanted a more extreme wage law.  She introduced four amendments at Mondays council meeting — one to restore the January start date.

Sage Wilson with Working Washington said while not perfect, the proposal will do.

We think though if you take a centimeter step back, what you see is this is an agreement which is going to lift up wages for 100,000 workers in the city of Seattle and thats something we want to see pass quickly, he said before the vote.

A big question is whether 15Now will continue its signature gathering campaign to bring forward a charter amendment to Seattle voters — possibly in November — to bring in a straight $15 an hour minimum wage.

The group said it has gathered 10,000 signatures and is keeping its options open.  And Councilmember Sawant told KIRO 7 she will support whatever the groups decides to do.  But on Monday, she was happy to celebrate what she called “a historic victory for workers in Seattle and workers everywhere.”

There was a victory party with dancing and food in City Hall Plaza.

Want to talk about the news of the day? Watch free streaming video on the KIRO 7 mobile app and iPad app, and join us here on Facebook.

Georgia teen abducted outside of Atlanta found safe; abductors still at large

Ayvani Hope Perez, a 14 year old Georgia teenager abducted from her home by two men yesterday has been found alive, according to local authorities. The abduction took place yesterday when two men broke into the teenagers home where she lives with her mother Maria Magdalena Corral.

Authorities say the men demanded jewelry and money. When Ms. Corral was unable to produce either, they shot the family dog and kidnapped Ayvani Hope Perez.

The abduction set off a social media manhunt for the men who kidnapped the little girl in her pajamas.

Authorities now say they have found the girl and have arrested two men. One of the men was described as a Mexican national and that he was being held on immigration charges. The other man was described as an African American who lived in the Atlanta area. He is being held on probaton violation charges.

Neither of the two men arrested thus far in connection with the abduction are the two men the authorities believed broke into the home and took Ms. Perez. The manhunt for them continues.

Local police are not saying if the little girl sustained any injuries or if she was assaulted in any way. The investigation is on going and the police are asking the public to continue to call into a tip-line that has been set up. The authorities credit tips as a major help in cracking this case so soon.

The abduction happened in the Clayton County community of Ellenwood. The Clayton County Police has received assistance from the Atlanta Police Department, the FBI, the United States Attorneys office and Homeland Security.

Overnight there were rumors that the mother had received a call from the abductors demanding a $10,000 ransom. The stress sent her to the hospital last night. However, the authorities would not confirm or deny those rumors. The ransom rumors were reported by several local new agencies.

At a hastily called news conference today, the Clayton County Police would not answer any questions regarding any motives for the abduction. Also, since Ms. Corral is of Mexican descent, there has been speculation that the men who abducted her daughter were known to her. However, local authorities dodged any questions regarding a previous relationship between the men and the mother. They cited an ongoing investigation as reasons for not going into any specific details of this event.

Additionally, the authorities would not release any details concerning how the arrest of the two men occurred or what took place when Ms. Perez was recused.

This story will be updated as the authorities release new information to the public.

Harold Michael Harvey, JD, is the author of the legal thriller Paper Puzzle, available at Amazon.

Sources:

http://www.foxnews.com/us/2013/09/17/police-14-year-old-girl-abducted-during-home-invasion-near-atlanta-all-out/

Broadway Auto Credit Helps Travelers Use Credit Abroad

GREEN BAY, Wis., Oct. 1, 2013 /PRNewswire-iReach/ — Credit can make traveling abroad much easier, but without the knowhow and preparation, it can make things more difficult for travelers. With proper planning, credit cards take away the hassle of using travelers checks and carrying large amounts of cash. It also allows travelers to track their purchases without excess paperwork. Following a few tips on how to use credit abroad from Broadway Auto Credit gives people with an adventurous spirit the ability to travel with the ease of credit cards.

(Photo: http://photos.prnewswire.com/prnh/20131001/MN89057)

Before even boarding the plane to another country, and sometimes even another part of your home country, travelers should call their credit card provider and bank to inform them of their travel plans. This will allow international transactions to be processed and avoid suspicion from credit card companies. Otherwise, travelers may find themselves abroad without access to any currency whatsoever. Also consider keeping toll-free numbers for credit card companies on hand in case of a stolen or lost card.

It is also important for travelers to be aware of foreign transaction fees. In some areas, these fees can go up to 3 percent, which adds extra cost to what may have been an inexpensive purchase. People traveling abroad should also ensure that their credit cards are accepted abroad, which is why carrying a backup card and form of currency is also encouraged.

Diversifying payment methods will prevent travelers from exhausting their funds or incurring foreign fees. Smaller, everyday items like coffee, cab fare, and small meals could be paid for with cash, as well as items purchased from street vendors or shops. More expensive items like hotel stays, rental cars, or shopping trips can be paid for by credit card.

Travel confidently with credit tips from Broadway Auto Credit. For more information on how to use credit abroad, contact the dealership today.

Media Contact: Mercedes Mannino, Broadway Auto Credit, (855) 395-2129, mmannino@broadwayautomotive.com

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SOURCE Broadway Auto Credit