Leadpile’s Blog

In a recent survey of 3,000+ people, it was determined that Americans trust the internet with their children and their lives. We all know that the internet is something we all depend on and utilize in many facets, however would you trust the internet to perform a surgery on you or monitor your kids? According to the survey, “Nearly half of the 3,030 Americans questioned in a survey said they would have Internet-based, life-saving, robotic surgery performed over the Web by an overseas surgeon.” In addition, a large amount of the respondents questioned also approved of using tracking devices for children under 12 years old if it transmits signals on a password-protected Web site they could track.
While many Americans trust the internet for all sorts of services, many in this survey stated they feel the internet should be regulated. The question really is…. how do you regulate such a large conglomerate? Is there a way companies like Leadpile and other internet companies can help to maintain this trust that consumers have with the internet, but also regulate it is some way?

Some great insight provided in this survey on paydayloanindustryblog.com. We all think we know the “typical” payday loan customer and what they are looking for, however this survey provides some things all of us that are in the lead generation business should pay attention to. This survey was sponsored by the Canadian Government, but still has some insight that we should maybe pay attention to.

SURVEY RESULTS
User Satisfaction with Payday Loan Lenders
The majority of payday loan users are satisfied with their most recent payday loan experience,
including 49% who are very satisfied. Users are highly satisfied with the rates and terms being
explained to them (82%) but their satisfaction with the cost of the payday loan is substantially lower
(54%).

Motivations for Using Payday Loans
Users cite a range of situations of great need, or emergency situations in general, as their reasons for needing payday loans. The most frequently mentioned reason for needing a payday loan is to pay bills or prevent overdue bills (40%).
When asked for top of mind reasons for choosing a payday loan instead of another form of lending, users say it is a last resort (41%). Convenience factors represent other motivators for obtaining payday loans; for example, that it is easy to apply (12%), faster to get the loan (10%) and the location is convenient (6%). However, when asked to rate the importance of a number of specific aspects of payday loans, users rate speed, ability to borrow a small amount, hours of operation, convenient location, and ease of applying for the loan substantially more important (87-92% important ratings) than being the only place they are confident to apply (61%) or not being approved at other places (44%).

STIGMA
There is a degree of
stigma associated with payday loans, with 25% of users agreeing they would be concerned about
being seen at a payday loan store.
INTERNET PAYDAY LOANS
A low percentage of users obtain their loans through the Internet (3%). Almost all users obtain their loans from a payday loan store, usually somewhat or very close to their home. Most users (82%) have Internet access, at about the same incidence as the general population (84%).

Education is important to a lot of individuals. However, many people are unable to find the time to attend a local college or University. However, hope is not lost. With the ever-changing advancements to the world of Education, quality online education and online degrees are now available. Online Education allows for a busy individual to achieve their education goals at home as long as they have a computer and internet access.

With online degrees, people from all walks of life are able to advance their knowledge and credentials right from the comfort of their own home. Higher education has been made affordable for the masses. It is less time consuming than traditional University study, and can be sought after from almost any location around the globe. This is all possible due to telecommunications and online technology. All that is required of the ‘online student’ is basic computer skills, modern computer with internet connection and of course, self discipline.

Universities seeking Online Education Leads turn to the LeadPile Lead Exchange for their many reasons. Leads coming through the LeadPile Lead Exchange for Online Education are from people seeking the following:

• Convenience – Students can work from any location and at a time convenient for them.
• Easily updated – The sessions are easy to maintain
• It is self-paced – The e-learner is able to read a certain topic several times in order to grasp the concept before moving on to the next.
• Lead to better grasp of subject area – Due to the various content of e-sessions like video, charts, and graphs, one is able to commit information to memory better and recall with ease.
• It is less expensive – The e-learner is saved from implicit costs of the daily commute to the institution

If you are looking for online education leads, LeadPile should be your number one source for such leads. LeadPile are real consumers looking for the service of your company right now. The online education leads at LeadPile can be handpicked or real time delivered. LeadPile is your one stop shop for online education leads.

Emergencies often arise causing people to need cash quickly. Many individuals need quick access to money to pay hospital bills, car-towing charges, or for emergencies. These individuals often times go online for information regarding an installment loan.

An installment loan is a loan with a fixed number of payments. They are somewhat similar to payday loans but with installment loans you pay fixed payments back to the lender until the loan is completely paid off.
Some Installment Loans come with the following benefits:

• You can get up to $12,000
• Installment loans offer convenience. The reason for this is because you are able to budget wisely. You know the exact amount of your payment and the exact day that it is due.
• It doesn’t matter whether your credit rating is not perfect.
• During the repayment period, there is typically a steady decrease in the amount of interest as you make payments.
• Installment loans are readily available and easy to access

Typically, there are two types of installment Loans: Secured and Unsecured.

• Secured loans – These are offered by financial institutions against collateral.

These loans attract a lower interest rate charge as compared to the unsecured.

• Unsecured loans – To qualify for these loans, one must have an indication and proof of current employment. These loans attract a higher interest charge compared to the secured ones.

LeadPile is the best place to buy installment loan leads. LeadPile’s installment loan leads have all the information that a company needs in order to process an installment loan request. LeadPile’s advanced and innovate system allows clients to acquire leads that are tailor made with specific filters.

Most people can remember their first car. The big question now is how to afford one? The answer is quite simple: An Auto Loan. An auto loan, also known as auto finance, is the way most Americans buy a new car.

As far as auto loans are concerned, LeadPile’s Auto Loan Leads have been the standard for years. Auto Loans come in may shapes and sizes including shorter term loans (these have higher monthly payments, but in the end, one has actually paid less because they will not have accrued as much interest) and longer term loans (these have lower monthly payments normally repayable in a period of up to 5 years or more.

The Internet is one sure way many people secure an auto loan. In some cases auto loans can be given to people with less than perfect credit. Like any other loans, car loans have variable interest rates depending on a number of factors. It is best to compare rates with various auto finance companies so that you can compare wisely.

Since the Internet is used so much by people seeking an auto loan, LeadPile has become the place for auto finance companies and dealerships to buy auto loan leads.

Debt consolidation is the replacement of several loans with a single loan, often with a longer repayment period and a lower monthly payment. LeadPile is your source for Debt Consolidation leads.

Why is there such a demand for this type of lead?

Very scary statistics have been collected about debt in America. Here are just a few:

• The average American household has 13 payment cards, including credit cards, debit cards and store cards; therefore, resulting into an enormous 1.3 billion payment cards in circulation throughout the United States.
• Americans carry, on average, $5800 in credit card debt from month to month.
• 96% of American’s retire dependent on government aid, charity or even other family members.

Because of such statistics, many Americans have economic dilemma. Debt consolidation is similar to a cold glass of water in the desert. It’s something you need and it offers relief and convenience, even if at the very last minute. Debt consolidation is a great way to move toward Financial Freedom. All that is required is simple planning and a good Debt Consolidation Company.

A debt consolidation company can work with customers by assisting them to negotiate with Card Companies.

For Debt Consolidation Companies seeking Debt Consolidation Leads, LeadPile is the obvious as one of the Nation’ Leading places for this type of lead.

Countless people in America have been affected by the financial crisis. Jobs have been lost, layoffs continue, and people need help. Creditors have been left behind, and are harassing people to settle their debts. Many people are turning to Bankruptcy to put themselves in the position to move forward on their lives.
Bankruptcy is a legal proceeding where a person petitions the court of law and declares his inability to pay off outstanding debts. Typically, BK protects the individual from the creditors. LeadPile is the Nations’ Leader in bankruptcy leads
The United States Bankruptcy Code outlines three primary types of bankruptcy:

• Chapter 7 is the most common and it stipulates that the debtor should sell his non-exempted assets and turn over the proceeds to the creditors.
• Chapter 11 is ideally for business merchants who wish to restructure what they owe others and keep the business running while paying off their debts after an agreed upon duration and amount.
• Chapter 13 – This is a typical debt consolidation plan for consumers.

With so many individuals needing to file bankruptcy, they are going online to find more information. It is for this reason that The LeadPile Lead Exchange is your primary source for Bankruptcy Leads

The term insurance is a common term that is used in law and economics and can be defined with a lot of technical terms. However, at LeadPile, we like to keep it simple. We define insurance as the transfer of risk of loss from one entity to another in exchange for premiums.


Insurance has been around since the 3rd millennium B.C.E. The Chinese Merchants of this day would cleverly distribute their wares on several vessels to help spread losses in case one vessel was attacked or capsize. Conventional insurance became evident in 2000 B.C.E. when a contract was signed between companies issuing capital to traveling merchants. This contract stipulated that should the capital be lost while on transit, it would be a loss to the company issuing the capital and thus, in consideration of bearing such a risk, they charged a ridiculously high interest rate.


The Insurance Industry has come a long way since 2000 years before the Common Era, and that is why there is such a demand for Insurance Leads. Modern insurance today can be traced back to the Great Fire of London, 1966. This disaster cost London a staggering 10million pounds. This triggered the minds of many to insure their property against fires.


Leadpile did not exist in those days, but there are many insurance companies that can handle insurance needs for customers. It is for this reason that Insurance leads are such a hot commodity.


The LeadPile Lead Exchange can handle almost any type of Insurance Leads for Insurance Companies Types of Insurance Leads include:

• Home insurance – Compensates for damage or destruction to a person’s dwelling
• Auto insurance – Provides property, medical and liability in the event of motor-vehicle accidents.
• Property insurance – This type of insurance offers compensation in the event of theft, fire or weather damage. In special cases, people may insure against floods, earthquakes and other natural disasters.

LeadPile is one of the Nation’s leading providers of Insurance Leads. We have a large database of various types of insurance leads and can also deliver leads on a real-time basis. The leads are real consumers looking for help in choosing an insurance program.

Some say they see a light at the end of the tunnel regarding our nation’s economy getting better. However, this process does not seem to be going fast enough for some who are still struggling with keeping their jobs and their homes. “Making Home Affordable” initiative rolled out by the Obama administration in February had great intent, however the ability to have some of these mortgage reworked is not seeming to be very easy for homeowners. NPR.org points out, “”Through this plan, we will help between 7 and 9 million families restructure or refinance their mortgages so they can avoid foreclosure,” the president promised. Obama said there would be a special plan for people with mortgages owned by Fannie Mae or Freddie Mac, and that homeowners had to be putting more than 31 percent of their gross income toward their monthly mortgage payment to qualify.” Getting help from lenders does not appear to be going very smoothly for some, yet what is there to do to get the much needed help? It seems constant calling and getting to the right person at your lenders office could help. Unfortunately, this article points out that some lenders will have you “get in line” to get help, unless you get some sort of media attention or help from congress. That doesn’t seem to fair to the average Joe who would not know what action steps to take to get this extra “press” coverage on their story. Isn’t there an easier process that our nation’s consumers can follow to get this much deserved help that the administration rolled out?

“Two thirds of businesses are unaware they will be able to use their own name in place of domain extensions such as .com, .org, or .net when Internet domains are liberalized next year,” according to internetnews.com. This is something huge for companies that want to control more of their brand in the online space. ICANN (The Internet Corporation for Assigned Names and Numbers) oversees domain names and is going to start taking applications for new top-level domains early next year. This means that potentially larger companies could have even more of an online presence, and maybe even more credibility and brand recognition. So, do companies know about this change that is coming the first part of next year? Leadpile now knows, and certainly will take note. Will this affect the lead generation business?

In recent news, Ohio is facing some potential stricter payday loan regulations. New restrictions such as giving consumers at least three months to pay back loans of $1,000 or less, forbidding lenders from getting around the 28 percent interest cap by imposing phony fees, requiring payday lenders to follow some of the federal fair debt collection rules in place for third-party debt collectors, and possibly imposing fines for violations of the law(s). This new bill is being referred to as “HB 209″, however it seems not all legislators are looking to support it.

Let’s see how this new potential legislation pans out. Leadpile will be watching.

Challenge yourself with new ideas – the more you learn and explore new opportunities, the more valuable you become for your company and for your clients. Making money with your clients doesn’t stop at the first offer – most of the times it’s expanding on multiple fronts.