Leadpile's Blog

Simple Steps To A Car Loan

Erin — Fri, 06 Nov 2009 01:25:31 +0000

We all know that there are great deals to be had in automotive market right now. Many car dealers are willing to cut their prices and haggle much more than in the past. So buying a new car as a steal should be simple, right? Car dealers may be willing to work with you on price, but when it comes to giving you a loan, not so much.
Unless you are very money savvy or have a great job, buying a car with cash is not always possible. This day in age it is very common for the majority of people to take out a car loan and finance their car. With the market how it is, getting a car loan can be easier said than done. Its not that lenders do not want to give out loans, they are just being much more picky on who they will approve. Also, interest rates are very high at the moment and your credit can make a difference on if you are approved and what interest rate you receive. According to U.S.News, when trying to finance or get a loan for your new car there are a few key facts you should know.
1. Basics of Car Loans – know that you will have to pay an interest rate which includes principal and interest.
2. Car Loan Term – This is the amount of time that you have agreed on to pay the lender back. The car is not yours until you pay back the WHOLE loan and interest.
3. Credit Score – As stated above, interest rate is normally based on an individuals credit score. Usually, the lower the credit score the higher the interest rate.
4. Apply Several Times – Consumers normally apply to several different companies to get their loans. This will give you a better chance to get a loan that suits your exact needs.
At the end of the day it is by no means impossible to get a auto finance loans. LeadPile is also here to help. We match up consumers and lenders who meet each others needs. Hopefully, this helped you realize that with the right knowledge and steps, buying a new car with great financing is not as far out of reach as you may think.

Changes In The World Of Twitter

Natasha — Thu, 05 Nov 2009 03:36:45 +0000

Twitter has made changes to make keeping up to the minute information on your friends even easier! This week Twitter gave it’s users the ability to create public or private lists keeping track of people and their latest 140 character tweets.
This new feature allows you to create your own lists of other users, while also allowing you to follow other people’s lists and view what lists you make it on to. The ability to create lists now adds an entirely new aspect to the “numbers game”.
According to SocialMediaInsider lists are another form of popularity contests through social media. “Say you’re a large company, or a smaller but tech-savvy one, with 100 people on Twitter, and these employees all add your main corporate account to 10 different lists. You’re instantly on 1,000 Twitter Lists, which for now will probably put you well in the top 1% of the most popular listed brands on Twitter. Meanwhile, if I’m on 100 lists through 50 people each adding me to two lists, and you’re on 75 lists but added by 75 different people, who’s more popular? The allure of gamesmanship over this will be short-lived. I hope.”
All of the lists, counting the number of followers you have, and tweeting things interesting enough for people to read is hard work! For LeadPile, I have a Twitter account with 99 current followers… How many of them actually are following me because they are interested in LeadPile news, or they are following me because I am following them and that’s the “twitter etiquette”, I can’t answer.

New Payday Lending Laws In Canada

Mari H. — Wed, 04 Nov 2009 03:56:57 +0000

In recent news, there are new payday lending laws in British Coumbia Canada. With these new regulations there are caps on interest rates and rules prohibiting predatory lending.

B.C.’s Business Practices and Consumer Protection (Payday Loans) Amendment Act and the Payday Loans regulation prohibit lenders, including phone and Internet lenders, from:

· Practices that unreasonably increase the borrower’s debt load, including rollovers that require borrowers to pay significant extra fees for extending the time to pay a loan.

· Requesting an assignment of wages, or collecting from a borrower’s employer.

· Charging more than 23 per cent of the amount borrowed in interest and fees.

· Lending more than 50 per cent of a borrower’s take-home pay or requiring repayment before the borrower’s next payday.

· Operating unless licensed by Consumer Protection B.C.

Leadpile Lead Exchange has recently started generating payday loan leads in Canada, and is very much concerned with any legislation that is going on there. Just like US payday loans, we know that payday loans can be a much needed loan for many consumers. We will continue to try and match these consumers that need these short term loans, with those that can provide it to the consumer.

Changes To The Dot Com World

Mari H. — Tue, 03 Nov 2009 04:01:19 +0000

We are all used to typing in the URL of the domain that we want to go to, however there has been some recent changes to the “dot com” world. For many people writing an email in another language is common, but typing in a website name in another language was not anything that you could do. However, with the recent standard changes this could be a thing of the past. NPR reports that, “Over half of the 1.6 billion users of the Internet today are born in a language group that does not use Latin scripts.” By mid 2010, people will be able to have URLs in their native language, and not have to be in the standard Latin. This is exciting for many that are wanting to expand the URLs that are used, and create more opportunity for those that are not using the standard language in the URLs. We shall see how this change goes, considering the last change to domains was way back in 1996!

Leadpile Wishes Everyone A Happy Halloween

Mari H. — Fri, 30 Oct 2009 12:00:38 +0000

Ghosts and goblins are out, and kids are getting excited in anticipation for all the treats they are about to receive….. AND Leadpile Lead Marketplace is hoping everyone has a safe and exciting Halloween!

A little Halloween history from Wikipedia:
Halloween has origins in the ancient festival known as Samhain (pronounced sow-in or sau-an), which is derived from Old Irish and means roughly “summer’s end”. This was a Gaelic festival celebrated mainly in Ireland and Scotland. However, similar festivals were held by other Celts – for example the festival of Calan Gaeaf (pronounced kalan-geyf) which was held by the ancient Britons.
Snap-Apple Night by Daniel Maclise showing a Halloween party in Blarney, Ireland, in 1832. The young children on the right bob for apples. A couple in the center play a variant, which involves retrieving an apple hanging from a string. The couples at left play divination games.

The festival of Samhain celebrates the end of the “lighter half” of the year and beginning of the “darker half”, and is sometimes regarded as the “Celtic New Year”.

The celebration has some elements of a festival of the dead. The ancient Celts believed that the border between this world and the Otherworld became thin on Samhain, allowing spirits (both harmless and harmful) to pass through. The family’s ancestors were honoured and invited home whilst harmful spirits were warded off. It is believed that the need to ward off harmful spirits led to the wearing of costumes and masks. Their purpose was to disguise oneself as a harmful spirit and thus avoid harm. In Scotland the spirits were impersonated by young men dressed in white with masked, veiled or blackened faces. Samhain was also a time to take stock of food supplies and slaughter livestock for winter stores. Bonfires played a large part in the festivities. All other fires were doused and each home lit their hearth from the bonfire. The bones of slaughtered livestock were cast into its flames. Sometimes two bonfires would be built side-by-side, and people and their livestock would walk between them as a cleansing ritual.

Leadpile Is Looking For Canadian Payday Loan Leads

Mari H. — Fri, 30 Oct 2009 04:35:04 +0000

Payday loans are something that we discuss a lot on this blog, and are happy to let our readers know that we are expanding our payday loan/cash advance market into Canada. There was a high enough demand to warrant Leadpile to venture into this fairly unsaturated market. We are proud to be able to help those in Canada get connected with those lenders that want to provide them with one of these short term loans. If you are already a Leadpile publisher, you can access this new offer in your seller account. If you are not currently a part of the Leadpile Marketplace, contact us immediately!!! We look forward to this great new market that we are now venturing into!

Happy Birthday Display Ads!

Erin — Thu, 29 Oct 2009 03:15:48 +0000

Fifteen years ago today the first banner advertisement was displayed on www.Hotwired.com. At the time there were only about two million internet uses in the United States and the only way of getting connected was through a slow dial up connection. When banners advertising was first introduced, many companies were very hesitant and weary about such advertisement. Some of the very first companies to sign on to this new way of advertising were MCI, Volvo, 1-800-Collect, and AT&T. The banner ads were a simple static image located at the top of a web page almost acting as the header. Some of the ads did not even have a call to action or show anywhere in the creative what the product being advertised was.
When it was discovered that an ad could be clicked on and have the consumer redirect to the page advertisers did not know what to think. Some loved it, and others not so much because they did not want to seem like they were being pushy. Volvo had their consumers who clicked on their ads be redirected to simple questionnaire about the Volvo they might be interested in.
Banner ads have come a great distance since 1994 when they first started to appear. No longer are they just static images with no call to action on the top of a web page. They now expand, float on the page, have movies/sound embedded, and even can have the user interact and play games within them. Whether the advertisers are just tracking impressions/CTR or are going the distance and tracking CPA/CPL, the ideas and possibilities seem endless for online advertising. I am sure that we are still at the tip of the iceburg with what we have seen so far. It will be very interesting to see what the next fifteen years will bring to online advertising. Leadpile will attempt to keep up with the innovative ideas of the online advertising world!

The Need For A Payday Loan

Natasha — Wed, 28 Oct 2009 05:17:40 +0000

Payday loans get a bad name, but are a necessary option for many individuals. Recently there has been a lot of bad press about payday loans and the high interest rates that are associated with them, however not all is bad about these loans. Payday loans help many people in tough times, times when they have no other option or places to turn.

According to Online PR News , a recent study shows that people living in states that currently have banned payday loans, turn to more desperate measures having far worse long term effects on the individuals financial standing. Over drafting accounts and bouncing checks is not a better option.

The benefits that payday loans can bring are enormous, allowing people to get help in times of need. At LeadPile, we generate thousands of payday loan leads and match these leads up with payday loan companies able to help them get through what they are dealing with. Payday loans are an asset, and are necessary in today’s economy.

Newspaper Circulation Continuing To Drop

Mari H. — Tue, 27 Oct 2009 04:14:24 +0000

Seeking services (lead generation) online, communicating with others (social networking), and reading the top news stories, is now all being conducted through everything EXCEPT our nation’s newspapers. In recent years, many newspapers realized this need for immediate information, therefore created an online version of their newspaper. Unfortunately, this scrambling did not prevent the potential elimination of alot of the newspapers. It’s a sad day in the newspaper world when NPR reports the fact that our nation’s newspaper circulation has dropped 10%, just in the past 6 months. Newspaper’s loss of revenue is largely caused by a decline in advertising dollars.
What does this mean to all of us? In many ways, it takes away an old tradition that many of our parents and grandparents have experienced their whole lives. More importantly, it takes away a source for all of us looking for reading material, jobs, coupons, store ads, obituaries, local and national news. The question is, where on the internet can we go to now for this sort of resource? This is something very difficult for one “website” to be able to provide, so I am not sure how we are all going to potentially survive without the irreplaceable newspaper?

Facebook & Google Selling Music?????

Mari H. — Sun, 25 Oct 2009 16:33:30 +0000

Believe it or not, Apple iTunes might have some competition coming from some new/old players in town!
In recent news, rumors are rumbling about Google possibly getting into the music service business. Potentially, with search results there could be an opportunity to purchase music from your favorite artist. This is big for Google and possibly something Apple will need to worry about.
If it wasn’t enough having recent news about Google and music services, Facebook is now in the news for it’s interest in music sales too! This is no rumor because Facebook has already started selling music in it’s online gift store. This is great news with the idea of how innovative online companies are trying to be, however possibly a little nerve racking for the online music mogul- Apple iTunes. May the music race BEGIN!!!!