Austin, TX (PRWEB) May 16, 2012

Rate Genius Inc. has partnered with Carleton Inc. to strengthen their computational capabilities and compliance support within its new state of the art loan origination system, Finance Genius.

Rate Genius, a major provider of auto financing services, to banks and credit unions recently expanded its services to its lender clients with the introduction of Finance Genius. Finance Genius is an internet based loan origination system and is designed to service large volumes of consumer loan products efficiently while increasing quality and accuracy. The system has proven to allow lending institutions to increase volume without adding employees therefore making the entire process more profitable.

It was important that Finance Genius provided a robust and compliant calculation solution that had nationwide support and had the ability to correctly implement regulatory changes on a timely basis for their clients. With more than 250 state laws and regulations nationwide related to lending and credit insurance computations, we turned to Carleton who has over 40 years experience for providing computational accuracy and the best possible support for our clients said CEO Chris Brown.

Carleton provides financial web services and web applications for lending and leasing that ensure regulatory compliance and computational accuracy. Carleton is excited to be a part of the Rate Genius team and appreciate the confidence that Rate Genius has placed in our company for compliant loan calculation support, said Pat Ruszkowski, Carleton president and CEO.

About Rate Genius:

Rate Genius was founded in 1999 and teams with credit unions and banks, as well as national lending institutions, to help consumers refinance new car loans. In addition, Rate Genius provides comprehensive services that include Gap Coverage, Extended Warranties as well as Credit Life Insurance and Disability Insurance products. Rate Genius is located in Austin, TX.

For more Information go to http://www.rategenius.com

About Carleton Inc:

Carleton Inc. is the countrys leading provider of financial calculation software, loan origination and compliance support, and document delivery software. Founded in conjunction with the Truth-In-Lending act in the late 1960s, their client list has grown to include most of the major lenders, automotive finance captive companies, credit insurance companies, and loan origination software providers in the United States. Carleton Inc. is headquartered in South Bend, Indiana. For more information, visit http://www.carletoninc.com

Well that’s simple now isn’t it… SOUTH BEACH! I have been living in Miami Beach for 6 years now and I can say it never gets old. When I first moved to Miami Beach I rented a place on 15th and Ocean Dr. It was right at the end or start of Ocean Drive. Like the classic out-of-towner, not only did I have to see Ocean Drive but I had to live there too. It was great because I was right next to the beach and Lincoln Rd was two blocks away but after a month I was tired of seeing the drunk tourist. Now comes year 2. I am definitely not going to renew my lease. At this point I was ready to move somewhere where I still had the South Beach feel but without the losers. One comes to realize that no matter where you are living in South Beach, you are close to the beach, so living on it wasn’t a necessity. I decided to shack up in a condominium/rental building called the Flamingo on 8th and Alton. I had no regrets and still don’t to this day. You might as well call this place an adult college campus without classes. The ratio of girls to guys is 70-30. And remember some of the guys are homosexual so your odds are even better if you are a guy. They have two pools. One of the pool areas has a tiki bar which creates a great social environment on the weekends. I would say most of all the models in Miami stay here. Now comes year 3 and yes I did move… but not to far! I saw a really good condo for sale and I jumped on it. I bought it in the portifino section of South Beach which is the …
Video Rating: 0 / 5

Buy or Lease a Car Without Getting Taken for a Ride (Entrepreneur Magazine's Pocket Guides)

More Car Lease For Business Products

(PRWEB UK) 9 May 2012

Pickuptrucksdirect.co.uk, the UKs leading pick-up truck leasing company, is backing the new Ford Ranger and putting its money where its mouth is by pre-ordering ?2.6million worth of the aspirational pick-up, which it anticipates will hit the sales of Toyotas Hilux and VWs Amarok.

pickuptrucksdirect sees the new Ford Ranger as a popular choice for the small and large fleet market, comments Andy Alderson, managing director of http://www.pickuptrucksdirect.co.uk, Business owners that need van like capability and carrying capacity for their day to day work, can have this by combining the right canopy with the new Rangers impressive load area whilst benefitting from luxury car-like refinement at the same time. Fleet operators and small business owners alike will also see the tax advantages of leasing an LCV like the Ford Ranger which does the nitty gritty jobs needed during the week, while being a luxurious weekend warrior.

Despite the general talk of a double dip recession the funders that are operating in the vehicle finance market not only have funds available, as well as an appetite to lend, but they also have a much more pragmatic approach to business lending than that taken by the much maligned high street lenders. The funders have a positive view of the vehicle finance market, recognising the excellent returns and low risk associated.

As the largest pick-up truck leasing company in the UK ( last year it sold over 10% of the Nissan Navaras registered) pickuptrucksdirect has significant buying power and this is reflected in the terms that it has been able to negotiate for the new Ford Ranger with the knock-on effect being better leasing rates for its customers.????

Comments Andy Alderson, The new Ford Ranger has already had endorsement from the experts with great reviews, Autocar said that The Ranger is capable of vastly exceeding the needs of most potential buyers. We are already seeing its popularity in the number of calls and internet enquiries were getting requesting Ford Ranger leasing deals. We anticipate that 90% of our pre-ordered Ford Ranger stock will already be contracted to customers by the time the pick-ups arrive in June.

*The pre-discount OTR price for a Ford Ranger is ?26,000 equating to ?250 plus VAT on a Ford Ranger leasing deal.

by ocean.flynn

Question by : What are the Best Car Lease Deals?
My car has been in the shop for over a month, getting a new transmission. It is a 14 year old car and when it gets fixed, I’m thinking of just selling it and getting a 3 year lease on a new, cheap, reliable gas-saver like the Civic or Elantra. What do you folks think? What are the best car lease deals?

Best answer:

Answer by Rob
Car lease deals vary and change from month to month and sometimes the difference can be drastic. The lease price relies on what car makers are offering as far as incentives. The best place to start is the car maker websites to see what their special incentives and offers are. Below is a website that ranks the top 25 to 35 car lease deals every month. Makes it much easier.. Good luck. The Elantra would be one of my top choices for a gas saving, low monthly payment lease.

Give your answer to this question below!

A few nice lease calculator images I found:

No more banks!!

Image by Ed Yourdon
Note: this photo was published in a Mar 10, 2010 blog titled "Bank Branches Close Doors." It was also published in an undated (mid-Oct 2010) "Methadone Clinics" blog, titled "Effective Depression Remedies." Don’t ask me what this is all about — I just report what I find out there… It was also published in an undated (late Nov 2010) Methadone Detox Clinic News blog as well as an undated (late Feb 2011) Methadone Clinics blog, with the same title and detailed notes as what I had written on this Flickr page. It was also published in an undated (late Dec 2011) Develop Photographic Memory blog, with the same caption and detailed notes that I had written on this Flickr page.

Moving into 2012, the photo was published in a Jan 10, 2012 blog titled "How to Value a Enterprise – Totally free Enterprise Valuation Calculator."

******************************************************************

This was taken on the northwest corner of Broadway and 87th Street, and it’s an increasingly common sight on Manhattan’s Upper West Side, as well as the posh Upper East Side, and other parts of NYC: empty storefronts, waiting in vain for a new tenant.

In many cases, the previous tenant — in this case, a low-priced Thai restaurant known as the "Malaysia Grill" — had been there for years, if not decades (see this picture of the Malaysia Grill, from one of my earlier Flickr albums, to see what it looked like in happier times, back in Sep 2005). But as the neighborhood became more "upscale," landlords gradually increase their rents to profit from the situation. But sometimes it’s not "gradual" at all; in this neighborhood, it was not uncommon to see commercial rents suddenly double, at the end of a 10-year or 20-year lease. Older businesses that were barely making ends meet on the old rents simply couldn’t handle such increases, and so they moved out — sometimes moving to cheaper quarters, sometimes moving out of the city altogether, and sometimes shutting down completely.

C’est la vie: this has been going on for as long as I’ve lived in New York, and one could think of it as the "creative destruction" associated with free-enterprise capitalism. What’s different now, though, is that the economy has deteriorated so quickly and so far that there are no new businesses moving in to replace the older tenants. This restaurant location isn’t likely to be replaced by an inexpensive Chinese restaurant, or a delicatessen, or a discount clothing store; the profit margins are too small. It would have to be a boutique selling high-priced clothing and jewelry, or a Starbuck’s selling five-dollar lattés, or a bank. But banks aren’t doing so well these days; and the grafitti scrawled on the real-estate sign indicates that the neighborhood would prefer not to see any more banks (though a Bank of American recently opened up across the street, on the northeast corner of Broadway and 87th St.). Starbucks is closing old shops, not opening new ones (although they opened a new Starbucks across the street, on the east side of Broadway, a year or so ago). And the high-priced boutiques aren’t doing very well either (indeed, two of them recently shut down across the street from this location).

As a result, many of these stores remain empty; and surprisingly, landlords seem to be quite reluctant to lower their asking price. This "Malaysia Grill" location, for example, has been empty for at least 2 years.

Note: this photo was published on an undated 2009 "Boorah" blog page describing "Broadway Restaurant Associates, New York."

***************

These are photos that I began taking in mid-December of 2008, after the government helpfully informed us that the recession (a word they had dared not use before, just as they refuse to use the word "depression" now) has actually been in effect since December 2007.

Having lived through roughly half a dozen previous recessions, with nothing but vague memories to mark their existence, I thought it would be useful to start gathering some photographic memories of the current one. It may or may not turn out to be as severe as the Great Depression of the 1930′s, and it may or may not produce the kind of grim photographs that we have of that era … but we won’t really know until it’s over, and our 20-20 hindsight might be better informed with some pictures.

Thus far, I have only a few pictures of signs showing steep discounts; these are interesting, but it’s the "human story" that I think will tell the more important story. Thus far, I’ve noticed an increase in the number of homeless peoplehe street, asking for money, food, and handouts; but I have no direct evidence that it’s associated with the recession itself. In any case, I’m reluctant to take advantage of such people by taking casual photos of them; I’m sure more appropriate opportunities will present themselves, and I’ll add them to the album as I find them…

Bofors Gun

Image by alex drennan
The Bofors 40 mm gun is an anti-aircraft autocannon designed by the Swedish defence firm of Bofors. It was one of the most popular medium-weight anti-aircraft systems during World War II, used by most of the western Allies as well as various other forces. It is often referred to simply as the Bofors gun.The British Army had first examined the weapon when they received a number of Polish-built examples in 1937 for testing, known as the QF 40 mm Mark I (QF standing for "Quick Firing"), or Mark I/2 after a minor change to the flash hider. A license was soon acquired and the arduous task of converting the gun from metric to imperial measurements was started. While this was taking place they also made numerous changes to the design to make it more suitable to mass production—the original Bofors design was intended to be hand-assembled, and many parts were labeled "file to fit on assembly", requiring many man-hours of work to complete.

Testing showed that aiming the guns was a serious problem against high-speed aircraft. Although the gun could be trained quickly, aiming accurately while doing so proved difficult. In order to address this, the British introduced a complex mechanical analogue computer, the Kerrison Director, which drove the laying electrically. A three-man team operated the Director simply by pointing it at the target and dialing in estimates for range and various atmospheric conditions. The Director then aimed the guns directly through powered mounts, the gunners simply loaded the clips and watched. Backup sights were fitted to the individual guns, replacing the former reflector sight and lead-calculator with a simple ring-and-post sight known as a "pancake".

In this form, the QF 40 mm Mark III (there was no Mk II), became the Army’s standard light AA (anti-aircraft) weapon, operating alongside their 3-inch and 3.7-inch heavy weapons. The gun was considered so important to the defence of England after the fall of France in 1940 that a movie, The Gun, was produced to encourage machinists to work harder and complete more of them. By the end of the war total production from British, Canadian, and Australian factories was over 2,100, while U.S. lend-lease examples added about 150.

In combat it was found that the Kerrison was simply too difficult to set up to use in many situations, as well as making logistics more complex due to the need to keep its electrical generator supplied with fuel. In most engagements only the pancake sights were used, without any form of correction, making the British versions less capable than those used by other forces. Eventually an anti-aircraft gunnery school on the range at Stiffkey on the Norfolk coast delivered a workable solution, a simple trapeze-like arrangement that moved the pancake sights to offer lead correction, operated by a new crew-member standing behind the left-hand layer. The Stiffkey Sight was sent out to units in 1943, arriving in Canadian units in the midst of the Battle of the Aleutian Islands. A final wartime change to the elevation mechanism resulted in the QF 40 mm Mark XII. They also designed a much lighter two-wheeled carriage for airborne use.

The Army also experimented with various self-propelled AA systems (SPAAGs) based on various tank chassis. Changes to the breech for this role created the QF 40 mm Mark VI, which was used on the Crusader to produce the Crusader III AA Mark I. But the main self-propelled version of the Bofors was with the gun set on the chassis of a Morris Commercial four-wheel drive lorry. Such guns were used in support of Army divisions to provide swift protection against air attack without the need to unlimber. this was known as the "Carrier, SP, 4×4 40mm, AA (Bofors) 30cwt". They saw service in North West Europe, where six SP Bofors of 92nd (Loyals) Light Anti-Aircraft Regiment, Royal Artillery, landed with the British 3rd Infantry Division on Sword Beach on D-Day to protect the vital bridges over the Caen Canal and Orne River (Pegasus Bridge and Horsa Bridge), shooting down 17 German planes. Later in the campaign, SP Bofors were used extensively for ground shots as well as in an anti-aircraft role. In British army service the Bofors found a highly specialised role: during the North Africa Campaign at the Battle of El Alamein, they were used to fire tracer horizontally to mark safe paths for units through the German minefields

Check out these lease a kia images:

Will soon be mine

Image by Sint Smeding
If everything goes well with the leasing contract, I will drive this car in about two weeks. Really looking forward to the moment where I will switch the keys of my Kia Picanto with those of this Kia Cee’d SW Se7en!

1982 Saehan Maepsy ?? ??

Image by skinnylawyer
When Shinjin Motors was abandoned by Toyota, and it teamed up with General Motors, the company’s name changed to General Motors Korea (GMK) initially, before becoming Saehan. Saehan initially produced the Opel-designed Gemini, but soon replaced it with the Maepsy, based on the Isuzu I-Mark, which in turn was based on the Opel Kadett Mk. 3. In the small but growing South Korean market, it competed against Kia’s Mazda-designed Brisa and Hyundai’s homegrown (and wildly popular) Pony.

The Maepsy initially struggled against the competition. But in 1981, when the new military dictatorship of Chun Doo-hwan forced Kia to give up its Brisa (and in return, force Saehan and Hyundai to give up light trucks), it was given a new lease on life. (It bears remembering that South Korea had been under 20 years of a different military dictatorship already, and its economic plans were the key reason for the existence of an automotive industry in the first place.)

A normal Maepsy came with an expensive 1.5-liter imported Opel engine. But thanks to the forced consolidation, early 1980s Maepsys could also be had with the 1.3-liter Kia engine that had been intended for the Kia Brisa. This example is equipped with the Kia engine.

Under Daewoo Business Group ownership, Saehan changed its name again, to Daewoo, in 1983. Daewoo Business Group went bankrupt in 2001, and Daewoo Motors became part of General Motors, initially operating as GM Daewoo before dropping the Daewoo name altogether and again becoming GM Korea in 2011.

Maepsy production continued through 1989. Later variants had fuel injection, and were known as Maepsy-Na. The Maepsy’s successor is the Daewoo LeMans, entering production in 1986; it was based on the later, front-wheel-drive Opel Kadett, and exported to the US as the Pontiac LeMans. The LeMans, in turn, was refreshed into the Daewoo Cielo (Daewoo Nexia for European markets), then replaced by the Daewoo Nubira, the Daewoo Lacetti (AKA Chevrolet Optra/Suzuki Forenza/Buick Excelle), and finally the Daewoo Lacetti Premier (much better known as the Chevrolet Cruze).

Question by : What cars have the best lease deals with no money down but still have the modern and hot aesthetic appeal?
I am a first time car shopper, and I can only afford to lease a car. I am having a hard time finding websites that dont offer all current car lease deals without having to choose every time i search a new car and new brand. I have no idea what a good car to lease would be, at a fairly cheap monthly rate. I am looking to get a good looking car, and depending on the price, wouldnt mind an SUV. Any suggestions?

Best answer:

Answer by jay
honda has some of the best deals.

Add your own answer in the comments!

A few nice landlord lease agreement images I found:

Construction

Image by hawaii
The view from my computer training classroom in the Ala Moana Pacific
Center (on Kapiolani Blvd.). This huge lot, mauka of Ala Moana Center, will
soon be home to a full Nordstrom store, among other shops and restaurants.

Liberty House and later Macy’s fought tooth and nail to keep Nordstrom out
of Ala Moana Center, as written in their lease agreement. The solution for
landlord General Growth? Build it next to the mall, and connect it. It’s
not "in" the mall, then, now is it?

HP 12c Financial Calculator

1 Line x 10 Character – LCD 1 Year Limited 120 12C 12C#ABA 12c Financial Calculator 20 5″ x 3.10″ x 0.60″ 12c Financial Calculator User’s manual Batteries Synthetic leather pouch Business/Financial: TVM (loans,savings, and leasing) Amortization Bond price and yield to maturity Register based cash flow analysis NPV, IRR Memory for 20 cash flows SL, DB, SOYD depreciation methods % change, % of total Statistical/Mathematical: Cumulative statistical analysis Std. deviation, mean, weighted mean Linear regression Forecasting, correlation coefficient Total, Sx, Sx², Sy, Sy², Sxy +, -, *, Ö, ÷, 1/x, ±, In, ex, LOG, 10x, x² Time and Data Management: Date arithmetic Features: Entry-system logic More memory-storage registers Efficient RPN data entry reduces the number of keystrokes Memory capacity: 99 steps Keystroke programming The HP 12C RPN financial calculator is a tested performer suited for business and finance. Battery Business/Financial Calculator HP Hewlett-Packard www.hp.com
List Price:
Price: 78.99