Thursday, Feb 09, 2012
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Posts Tagged ‘Companies’

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How do I get the investor & board of directors details for companies in India & outside ?

I wish to find details of the investors of companies so that i can approach them incase they want to divest their stake in a company.


Payday Loans Companies Set to Rise With Economic Ups and Downs

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Is it possible for an industry to be both cyclical and counter-cyclical? Companies offering online payday loans might just emerge from the recession just as strong, possibly stronger, than they fared in the downturn.

The popular perception of payday loans companies is they do well when factors of personal finance are down. That’s easy to imagine – when people make less money they have to borrow more frequently. Particularly when credit is tight and traditional forms of lending (e.g., credit cards) are less available to people, borrowing via paycheck loans is a natural default for millions of the still-employed (payday loans, as the name makes clear, are available only to those who have jobs).

And that has happened in spades during the current recession. Payday loans companies have become a very solid part of the economy. Formerly two-earner households, taken down to one paycheck while one partner is laid off, run up against emergency expenses that require a quick infusion of cash because they’ve either maxed out their lines of credit or have none in the first place. Hence, the role of the payday loan in a recession.

Online payday loans transformed the industry

However, in an emerging recovery, as employment rebuilds, payday loans are expected to continue their ascent. Why? It’s simple: online payday loans are different from bricks-and-mortar cash advance stores.

In the old days (pre-2005, or thereabouts), most payday loans required a trip to a retail store. Most were located in certain neighborhoods with lower income demographics. It was a barrier to a large part of a now-expanded market comprised of middle and even upper-middle income salaried employees. After all, they still find themselves short on quid from time to time. Now, with online payday loans there are no geographical barriers that would cause income-level barriers.

Also, because payday loans are employment based, individuals who are working but whose credit scores aren’t yet fully recovered from recessionary circumstances will still need this type of cushion. People who are turned down for other lines of credit due to credit ratings usually still qualify for payday loans .


Is anyone else getting tired of companies always blaming things on the economy?

I am so sick of that line! It’s like a broken record over and over and over again. Constantly blaming things on the economy. That economy line is getting so old. Time to think of something new!


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As a novice investor what would be the easiest way to get accurate info on public companies?

I know there is a wealth of info out there, but what sources are the most reliable and least time consuming?


How do I determine my house’s replacement cost to get an accurate quote from insurance companies?

To get a quote, all of the companies are asking for the replacement cost. I’ve read that only way to get that is to hire an appraiser.

So does that mean I get an appraiser first, THEN start getting insurance quotes?

What do I do here?


Does anyone know what big companies started off using angel investing for their start-up?

I am doing an M.B.A. presentation on Angel investing and am trying to use a big corporation as an example of successful angel investing. Are there any big companies that started off using angel investing to fund their idea and now are very successful? Please let me know of any. Thanks.


Can a business that lines up companies looking to advertise with bars and nightclubs be successful?

The business would use hand stamps and wristbands with the companies logos and/or email address to advertise in bars and clubs. Would companies and nightclubs be interested in something like this or is this already being done across the U.S.?