Shaw Capital Management Factoring- The Raw Deal: Personal Loans - Fc2 Blog | Facebook – YousayToo

Shaw Capital Management – YousayToo

You know, I’ve heard about personal loan offers and promotions but never looked into one. This week I wondered, what’s the difference between a personal loan, a cash loan and a plain ‘ole credit card (apart from the fact that you don’t want a cash advance at 18 percent compounding interest on your Visa thank-you-very-much). And, when should I use a personal loan over a cash loan or credit?
Well, the first thing I found out is personal loans have lower interest rates than cash loans and credit cards (win!). But banks do expect you to have a superb credit rating to lend you the money (dang). Banks are less fussy about a bad credit rating if you’re applying for a credit card, but it doesn’t give you as many spending options.
On small amounts and if you need cash urgently, it shouldn’t be too hard to jig around your cash and expense on your credit card – but watch out. It turns out you spend 12 percent more when you swipe.
Cash loans now are essentially payday loans now. The interest is exorbitant, but you don’t feel it as much over a 24 hour or 48 hour period which is basically what they’re for. If you need the money that badly, I say ask your boss to pay you a day early and offer him the $50 interest. It’ll cost you less and he’ll hardly shoot you down.
The other difference between a loan and credit is that personal loans are split into two categories: secured andunsecured. All it means is your lender will want to prop your borrowing against an asset, like a car or your house. In the case of a secured loan (if you qualify with a slick credithistory!), you’re bound to benefit from low interest rates. Unsecured loans will charge slightly higher interest.
Borrowers beware: Pay your bills on time or face stiff late charges and penalties. Personal loans are more strict when it comes to repayments.
What’s interesting is the fact that more Americans are taking out personal loans according to a report on Digital News as people look for low interest alternatives for borrowing. Tight credit and poor economic conditions has increased the demand for personal loans.
HSBC recently announced unsecured personal loan rates starting at 6.99 percent. Not bad. SunTrust did better with 3.99 percent and Nationwide Bank came out with a 6.45 percent rate. The loans are being used for refinancing vehicles for homeowners mainly.
Personal loans have become increasingly popular since the financial crisis. American banking newsreports:
“Lending Club, a peer-to-peer lending company, has now originated more than $255 million in loans to consumers. The news comes just three months after the company announced that it had surpassed $200 million in loan originations. As of April 16th, Lending Club’s statistics page showed that $255,003,975 had been setup by the company.”
Infographic source : CreditSesame
Okay, so when should I use a loan and when should I use credit?
Essentially: If you need a lump-sum loan with fixed payments over a period of time, go for a personal loan. If all you need is a line of credit you can tap from time to time, a credit card or line of credit is your answer.
You’re going to need a good credit rating and an asset to secure your loan against and get a good rate in the case of a personal loan. It’s better for large sums (such as refinancing your home loan or car loan).
A line of credit is more flexible, and you sure have to be responsible not to get into trouble with it (and you know what I mean), but the interest rates are higher, so look for a good deal before you sign up.
Have you used a personal loan, and was it better than credit or harder to manage? Share your experience with us below!
Want more info on loans and credit cards? Check out EconomyWatch Loans and Credit Cards for the raw deal and more!

Cochrane Shaw Capital Management Pty Ltd.: Private Company Information - BusinessWeek | Livejournal

Shaw Capital Management - Livejournal

COMPANY OVERVIEW

Cochrane Shaw Capital Management Pty Ltd. provides investment and securities advisory services to individuals, corporations, accounting firms, and legal practices in Australia. The company offers advice on shares, debentures, superannuation, life insurance, unit trusts, and master fund products, as well as ongoing review on their investment portfolio. Its services include financial planning and investment strategies, superannuation planning, retirement and pension planning, risk insurance management, estate planning, and taxation planning. Cochrane Shaw Capital Management Pty Ltd. was incorporated in 1969 and is based in Melbourne, Australia. As of December 24, 2010, Cochrane Shaw Capital Management Pty Ltd. operates as a subsidiary of Incito Group Ltd.

Suite 2
41 Railway Road
Blackburn
Melbourne, VIC 3130
Australia
Founded in 1969

Phone:
61 3 9894 3788
Fax:
61 3 9894 1015
www.cochraneshaw.com.au

Twitter / shaw financial: http://t.co/H6a8tGgn : Shaw Capital Management Factoring and Financings

@financialshaw

Shaw Capital Management : Google’s Foremost Chrome book Shop Kick off in London

Google has moved on using the subsequent period of the will immediately contend with Apple for the computing cash by starting a real Chrome laptop shop in London. Known as the “Chrome Zone,” the shop was created to provide customers the hands-on trial of the items fog up computing is much like utilizing a Google Chrome book.

Within the shop, staffers stay in prepared to move clients over the Google associated with cloud services and software about the notebooks. Leaving comments about the introduction, Google Product Marketing Manager Laura Thompson stated that many things in life, like football and rock music, are best experienced in person. Chrome books are no exception.

Probably the most stunning point about this brand new store effort is the fact Google chose to set the initial non-travel centric store test in London, of all places. People pursuing the firm’s recent past in Europe understand that Google has not experienced a simple period in regards to public understanding in the area, however a current effort associated with Britain’s Tech City suggests that the brand is actually devoted to producing the beachhead of the integration in to Europe’s consumer market.

Talking about Google’s latest Tech City plans, Shaw Capital Managementnews on past Google EMEA Head of Corporate Development Anil Hansjee offered us various clues about exactly what Google’s improved reputation within the U.K. means for technological advancement: “The growing ecosystem involving Internet startups in East London by now offers remarkable assets in its disposal including Seedcamp, Techhub and The Trampery co-working areas. Using the Google headline a lot more resources will be added… The Google structure is much more than merely about operating place. They have got fully understood exactly what start-ups absolutely need in the extremely initial phases and therefore are delivering mentorship, expertise as well as resources…”

Though Google comes with affirmed more Chrome Zone shops will start showing up through the entire U.K., absolutely no plans are already declared for further shops in different key metropolitan areas, and however keep tuned in regarding up-dates. There exists a perception, since the shops start to grow within the coming year, the much-lauded and legendary Apple Stores might ultimately possess some worthwhile competitors.

Shaw Capital Management Factoring and Financings : Warning: Phishing Scam Takes a Legal Twist

Better Business Bureau of Southern Arizona is warning consumers against giving out personal information to unknown callers. Scammers have recently been using the name of legitimate law firms to trick victims across the country into giving out bank information, credit card numbers and other private information.

Victims report receiving calls from individuals using a fake name and an untraceable phone number, who say they work with a law firm in the victim’s area.

The callers claim the firm is suing the victim on behalf of a payday loan provider. The caller goes on to say the victim defaulted on a loan and demands payment and other personal information. Victims may not remember taking out such a loan, but some cases have been linked to security breaches at financial institutions.

There are other variations of this scam. Callers pretend to be law enforcement or government officials collecting on a range of outstanding debts, from loans to traffic tickets. Should the potential victim refuse to pay, the scammers threaten anything from a lawsuit to arrest.

Hundreds of people around the country have reported falling victim to these types of scams. In order to protect your personal information, BBB offers the following tips:

Demand proof. The caller should identify who they are and, upon request, provide you with a telephone number where you can speak to someone directly about the call. The caller should also have proof you incurred the debt.

Avoid providing personal information. Do not provide or confirm any bank account, social security number, credit card or other personal information over the phone until you have confirmed the legitimacy of the call.

Report all suspicious behavior. File a complaint with BBB or the Arizona Attorney General’s Office if the caller is abusive or uses threats.

To check the reliability of a company and find trustworthy businesses, visit bbb.org.

Shaw Capital Scam Prevention : ‘Breaking news’ is now a raging scam on Facebook

http://shawcapitalmanagementscaminfo.com/

http://www.business-standard.com/india/news/breaking-news-is-nowraging-scamfacebook/443984/

Priyanka Joshi / Mumbai July 27, 2011, 0:15 IST

In the online world, one person’s loss may well be another’s gain. Scams on social networking sites like Facebook buttress this view. News of the tragic Norway events last week, and the untimely death of five-time Grammy award winner Amy Winehouse, who was found dead in London on July 23, are cases in point.

Scams taking advantage of the tragic Norway attacks surfaced within days of the attack. However, Facebook has cleaned out these instances, notes Websense Security Labs. A new social media fraud—‘look at footage of Amy Winehouse just moments after her death’—is going strong on Facebook.

“This type of a scam is a survey scam, through which users are lured to complete a survey, in return for which they are promised an exclusive video or footage. Completion of the surveys puts some money in the scammer’s pockets, while users completing the surveys are never shown the promised videos or footage,” says Websense.

Security firm Symantec confirms the trend. It has observed spammers trying to capitalise on related news headlines by sending out malicious threats less than a day after the news was released, according to a post on its official blog. Attacks in Portuguese use similar spam techniques. All samples are sent from randomised individual email accounts with various subject lines related to the celebrity’s death in an attempt to lure interested readers to open a malicious URL. Immediately after the link is clicked, a pop-up window asks users to download a file that is loosely disguised as an image or a video file (anything other than an executable file).

The file is given a name that is related to the celebrity, and isn’t an image or video file, but a malicious binary. Symantec has detected the threats in these samples as Infostealer.Bancos. Symantec cautions recipients to be wary of emails that come from an unexpected source, especially emails related to Winehouse’s death.

“Most of these apps would automatically post messages on the victim’s wall and on his friends’ walls in order to trick as many people as possible into clicking (and inadvertently spreading it on). Attention-grabbing messages, combined with platform-specific actions, which have turned into genuine online reflexes (from a mere click, to a tag and, more recently, the creation of an event), make for the perfect scam,” George Petre of BitDefender, a software security solutions provider, writes on an official blog.

The security solutions provider has even launched a free social media security app, Safego, which allows users to prevent tagjacking and eventjacking scams and keep their social network accounts safe. Using in-the-cloud scanning, Bitdefender Safego protects users’ social network accounts from all social scams, spam, malware and private data exposure.

Cybercriminals have exploited the popularity of social networking sites this year, with new scams emerging every month. Likejacking was another such recent social-media based attack that spread on Facebook. It appears along with the ‘Like’ function on the social media site, which account holders could use to create lists of objects they like. “Clicking on an attractive link, the users end up on a page which includes JavaScript; a click anywhere on the page activates the ‘Like’ function, sending a link to the page to everyone in the user’s friend list. This means the number of visits to the site would snowball, and cybercriminals were paid for the increase in traffic by a certain advertising company,” explain Kaspersky experts.

Kaspersky Lab, in its report on information security threats in the second quarter of 2010, claims the company’s products blocked more than 540 million attempts to infect computers around the world. “The countries most targeted were China (17.09 per cent of all attacks), Russia (11.36 per cent), India (9.30 per cent), the US (5.96 per cent) and Vietnam (5.44 per cent),” according to Kaspersky Labs.

Experts believe as social media sites are being accessed over mobile devices—industry reports suggest close to 40 per cent mobile users use social networking apps on their handsets—more scams would emerge. Venkatasubrahmanyam Krishnapur, senior director of engineering (consumer), McAfee, says, “Users should exercise extreme caution when it comes to clicking on links that are sent even by ‘trusted’ friends through e-mails or on social networks. The ‘Like’ feature on Facebook has been used to propagate imitations of Google+ invitations which are actually bad links. This is usually in the form of short URLs that are potentially links to malware sites that the user is unable to spot.”

Shaw Capital Management Online

http://shawcapitalmanagementonline.com/index/

Welcome to SCM Online, your sleek and no-frills alternative to the oh-so-cluttered news blogs that currently tops the search results. As a debut post, let me give you a rundown on how this whole thing works.

SCM Online conveniently groups incoming news into three categories that proves to be the most significant ones for the online community in general:

Technology. Keep tabs on the heating competition between search engine giant Google and social networking star Facebook. (Occasionally, we feature certain websites or software products and do some pros-and-cons analysis. Otherwise, anything new and newsworthy concerning consumer gadgets and the collective web.)

Lifestyle. Useful health and diet tips for those conscious with their well-being, with lots of other cool and practical stuff for everyday life thrown in for good measure.

Finance. Daily reports on the state of the market, notable fluctuations on stock prices, commodity updates, scam MOs, and several business and political factors that comes in to play.

We do host a whole lot of other stuff outside of those categories but only if they are totally interesting, amusing or informational (we don’t want to overwhelm you with useless news!).

Above all, we welcome active participation from our visitors (yeah, you!), so if you find something interesting, erroneous, terrible or inspiring, feel free to leave your two cents.

Stay tuned!

Shaw Capital Management Scam Info: Contractor Scam Warning

http://www.wjhg.com/news/headlines/Contractor_Scam_Warning_117289038.html?ref=038

Posted: 9:56 PM Mar 2, 2011
Reporter: Meagan O’Halloran
Email Address: meagan.ohalloran@wjhg.com

The Okaloosa County Sheriff’s Office is warning residents about another contractor fraud. Apparently these types of scams are an ongoing issue in the community. There are some things you should ask before hiring a handy-man.
Martin Novak’s hard-wood floors turned into a hard-luck story. He realized too late that the flooring company he found on the internet turned out to be a scam.
“I gave him $1000. The full job was supposed to be $3,000″ says Novak.
But the man never did the job. Novak hasn’t seen him since.
“He told me he was up in Pensacola doing a big carpet job and he would stop by my home that evening–and I’ve never seen him. I tried contacting him several times on the phone, I got nothing; no response, whatsoever.”
Newschannel 7 tried to call the company. The line was disconnected.
Crime Prevention Specialist Ashley Bailey with the Okaloosa County Sheriff’s Office says it’s another example of contractor fraud that continues to plague local residents.
“It’s like every other business out there–there’s good folks and bad folks, so you just need to do a little research before you decide to hire them”, Bailey says.
- Investigators recommend you get at least three bids.
- Check to make sure the contractor or handy-man has an in-state license.
- Insist on a written contract that details the work to be done with start and completion dates.
- Get customer references.
- Never pay in cash.
You can check a contractor’s license online with the Better Business Bureau or the Florida Department of Business and Professional Regulations.
It may be too little too late for Novak, but he hopes people will learn from his mistake.
“If I can stop him from scamming one more person, than I figure it’s worth that $1,000.”
If you’re still uncertain a business or contractor is legitimate, call the Okaloosa County Fraud and Scam Hotline at 651-7674.