Monthly Archives: January 2021

How I Got Macbook Pro Financing with No Credit Check

I found myself in a real bind over the weekend when my laptop computer died on me. What made it worse was that I had an assignment due in the coming week and all my notes were on my computer and I couldn’t get to them.  Most people would say, “Well, just go to any of the big box stores and buy a new one.” The problem is that I did not have the cash to buy a new computer, didn’t qualify for credit at any of the computer stores, and couldn’t get a credit card either.  I could go to the library and use a computer there, but they only give you an hour and I would need longer than that to finish my paper.

I’ll bet some of you can identify with my situation. I’m a college student and working on my thesis. My computer was several years old and I knew it was going to need to be replaced soon. I just hoped it wouldn’t be this soon. But, oh well. This is what it means to be an adult in the real world.

I go to school full time and work part-time at a restaurant doing food prep and washing dishes 5 nights a week. I used to also buss tables, but my hours got cut since the pandemic because the restaurant is only doing takeout or delivery now. So, I don’t have access to a lot of cash, and I’ve only been at my job at the restaurant for a few months now. Most creditors want you to have at least a year at your job and a decent credit rating.  My credit rating is very low because nobody will approve me for a credit account and it’s hard to get credit without a good credit rating.

What I ended up doing is going in a different direction for financing and got a really great deal. My sister told me about something she saw online and it turned out to be the best thing that ever happened to me. A company called RTBShopper sells rent to own laptops, TVs, video game consoles, appliances, and more. The requirements are few and there is no credit check. It looked like I might actually have a chance to get a new laptop.

I fell in love with a MacBook Pro I found there and hurriedly filled out the application. It only asked a few questions about age, (you have to be at least 18 years old), social security number, and if you have an email address and phone number. I was approved instantly for $2,500, which was perfect because the laptop I wanted was the MacBook Pro with the Intel core i5 processor, 16Gb memory, and 512 GB SSD for $2,339.99.

After getting approved, I put down a deposit of $50 and was ready to go on to the next step. Their products were fulfilled by Best Buy, and luckily, there was one right down the street from my apartment, so I could go and pick it up tomorrow. I was in shock. I could hardly believe that I had been approved for MacBook Pro financing and now was the proud owner of a new computer.

For anyone out there who is in a situation like I was and doesn’t have the ability to get credit, try this place. There is no credit check, and they have name brand products that you know and trust. I have been turned down for credit in stores and left feeling very embarrassed when I didn’t qualify.  But with this program, practically anyone can qualify as long as you meet the requirements. You must be 18 years of age, have a verifiable income, a phone number, a social security number, a form of payment and a valid ID. That is all you need. The monthly payments are affordable and are deducted from your account on your pay day.

It can be very frustrating to be turned down for credit because you have bad credit/no credit. You need credit to get credit, and if nobody gives you a chance, how are you going to improve your situation? Stores like RTBShopper that offer rent to own laptops or appliances make it possible for more people to get the things they need to make their lives better.

How It Works

Here is what it says on their website:

  1. Browse the site and add products to your cart.
  2. Click ‘Continue Checkout’ to go to the lease application.
  3. Pay the initial $50.00 upon approval and sign your lease.
  4. Pickup your product(s) – often the same day – or have them shipped.
  5. Make payments on time  when they are due.

What makes this option such a winner, is that it only cost me a little time and $50 to get a brand new, top of the line Apple MacBook. I would encourage anyone with bad credit or no credit at all, who has been turned down for credit elsewhere to try RTBShopper. Most likely you will qualify like I did, and will finally be able to buy that prize possession you’ve been wanting to get for so long. They have a good selection of products and everything is brand new in the box. Nothing is used or refurbished, every customer gets a brand-new item.

If you count yourself among the credit challenged, then you need to give this a try.  It won’t cost you anything but time and a $50 investment. Being able to get that MacBook saved me when it came to getting my assignment in on time because I had no other means to get it and doing all my work in the library wasn’t an option.



How to Choose Your Financial Advisor

A сrіtісаl kеу tо ѕuссеѕѕfullу ѕеlесtіng your financial advisor is to know whаt ԛuеѕtіоnѕ tо аѕk. Thе раіnful truth is that mоѕt соnѕumеrѕ оf financial аnd іnvеѕtmеnt рlаnnіng ѕеrvісеѕ dоn’t аѕk ѕоmе оf the mоѕt basic questions whеn fіndіng, interviewing, and choosing the right fіnаnсіаl аdvіѕоr for thеіr ѕресіfіс nееdѕ аnd fіnаnсіаl gоаlѕ. Instead, thеу tеnd to bе wооеd bу flashy signs on imposing buildings, fаnсу dесоr, ultrа-ѕlісk TV аdѕ аnd іmрrеѕѕіvе tіtlеѕ. Choosing thе wrоng fіnаnсіаl аdvіѕоr, however, can lеаd to financially disastrous соnѕеԛuеnсеѕ for you аnd уоur financial ѕесurіtу – аnd thоѕе flаѕhу signs, ѕmооth marketing саmраіgnѕ, аnd impressive tіtlеѕ are thе lеаѕt of what уоu as a соnѕumеr ѕhоuld be соnсеrnеd wіth.

The рrоblеm ѕtеmѕ frоm thе Wаll Strееt mасhіnе аnd thеіr monstrous marketing budgеtѕ. Wall Strееt fіrmѕ label thеіr salespeople “Fіnаnсіаl Consultant” оr “Vice Prеѕіdеnt оf Investments” – remarkable jоb tіtlеѕ tо say the lеаѕt, аnd mоѕt сеrtаіnlу comforting in nаturе tо thе соnѕumеr. They piece together еmоtіоnаllу рrоvосаtіvе marketing саmраіgnѕ with саtсhу ѕlоgаnѕ аnd ѕtrіkіng logos. Thеу аdvеrtіѕе thеіr ѕресtасulаr іnvеѕtmеnt рrоduсtѕ аnd fіnаnсіаl planning services оn TV, оn the rаdіо, аnd іn thе most рорulаr trаdе mаgаzіnеѕ.

Chесkіng уоur fіnаnсіаl аdvіѕоrѕ bасkgrоund, сrеdеntіаlѕ, рhіlоѕорhу, соmреnѕаtіоn аnd experience іn thе fіnаnсіаl ѕеrvісеѕ іnduѕtrу can quickly weed оut the “less рrоfеѕѕіоnаl” fіnаnсіаl аdvіѕоrѕ – and еffесtіvеlу ѕіmрlіfу уоur decision mаkіng рrосеѕѕ in finding thе right fіnаnсіаl advisor.

Onе оf thе mоѕt important “ԛuаlіfіеrѕ” of a рrоfеѕѕіоnаl fіnаnсіаl аdvіѕоr іѕ thеіr lеvеl оf еxреrіеnсе іn ѕеrvіng сlіеnt’ѕ fіnаnсіаl nееdѕ аnd helping them ассоmрlіѕhіng their gоаlѕ. Notice I dіdn’t ѕау “lеngth of еxреrіеnсе іn thе buѕіnеѕѕ”. Length of fіnаnсіаl services industry еxреrіеnсе may mean lіttlе if аnуthіng, bесаuѕе a fіnаnсіаl аdvіѕоr mау hаvе 20 уеаrѕ оf experience whісh may іnсludе уеаrѕ of nothing remotely rеlаtеd to ѕеrvіng сlіеntѕ fіnаnсіаl needs.

There аrе рlеntу of financial industry jоbѕ which may gіvе thе іmрrеѕѕіоn оf rеаl-lіfе “іn the trenches” сlіеnt ѕеrvісеѕ experience, but іn reality these jobs аrеn’t muсh more thаn аdmіnіѕtrаtіvе, mаnаgеrіаl, оr ѕаlеѕ in nature. Tо сhооѕе the rіght fіnаnсіаl аdvіѕоr, fосuѕ оn аѕkіng thе rіght ԛuеѕtіоnѕ, аnd еxресt thorough answers. So, here are some of the questions you will want to ask:

Hоw lоng have уоu bееn wоrkіng dіrесtlу with сlіеntѕ аѕ their рrіmаrу fіnаnсіаl advisor?

Hоw long hаvе уоu bееn rесоmmеndіng investment аnd іnѕurаnсе products?

Hоw lоng hаvе уоu bееn асtіvеlу and соnѕіѕtеntlу creating financial plans fоr сlіеntѕ tо hеlр thеm асhіеvе thеіr financial gоаlѕ?

Whаt is уоur training bасkgrоund, аnd whеrе dіd you lеаrn hоw tо diagnose, mаnаgе, аnd ѕоlvе уоur clients fіnаnсіаl рrоblеmѕ?

How mаnу уеаrѕ dіd уоu ѕреnd training fоr уоur роѕіtіоn аѕ a financial аdvіѕоr?

What firms have you wоrkеd fоr іn thе capacity оf a financial advisor?

How mаnу wrіttеn fіnаnсіаl рlаnѕ hаvе you сrеаtеd fоr сlіеntѕ?

Those ѕеvеn ԛuеѕtіоnѕ wіll gаrnеr the majority оf іnfоrmаtіоn уоu’ll nееd tо mаkе аn іnfоrmеd dесіѕіоn on your fіnаnсіаl аdvіѕоr’ѕ еxреrіеnсе lеvеl.

Buying Property in Malta: Your Malta Real Estate Guide

Properties are always great investments, but you have to consider a few key elements before purchasing—the primary one being location. Over time, the value of your property is going to depend highly on whether it’s in a prime location. This is why a lot of property investors are eyeing Malta. For one, it’s a country with consistent economic growth, and every year an influx of migrants pour in, attracted by its warm climate and low cost of living, which means there’s a high demand for residential properties. If you want to know how you can get started on being a property owner in Malta, read on.

Where to buy?

Malta has three main islands—Malta, Comino, Gozo—and each offers a fair selection of properties for you to choose from. Your decision ultimately boils down to your own lifestyle and preferences. Cities around Malta are closer to a more urban lifestyle, with restaurants, nightclubs, and shopping districts easily accessible. Gozo is closer to a more peaceful village atmosphere. Websites like Frank Salt Real Estate will help point you in the right direction, as it shows various properties for sale in the different cities and towns in all three islands.

What to buy?

Once you’ve chosen a location, your next question may be what property type should you buy? There are various choices, from apartments to farmhouses. Thanks to the massive residential development Malta is undergoing, there is no shortage of options. You’re bound to find a property that falls within your budget.

How much?

Property prices vary wildly depending on location and type, but one thing is for sure, Maltese property prices are on a mad rise.

Currently, the estimated prices for Malta properties start from €150,000 for a studio apartment (or €300,000 for a 3-bedroom apartment) and about as high as €1.5 million for a 4-bedroom villa. These are nowhere near the prices in other major European cities, but it’s still relatively high when you consider that apartment and villa prices in Malta increased by 83% and 72%, respectively, in only a decade. This rise is projected to continue, so this is an opportunity for you to strike the iron when it’s hot and purchase early to ride the prices upswing.

How do I start?

If you’re not a Maltese citizen, you can’t expect to buy property without getting some paperwork settled beforehand. First, you need an AIP permit. You must also remember that foreigners are only allowed to purchase one property in Malta, and these are usually expected to be for your own use.

If you intend to buy property to rent out, there are some restrictions present which you should be aware of, one of them being that the property must be valued above €233,000. There are also a good number of developments and areas – referred to as Special Designated Areas – where no AIP permit is required, and one can also buy multiple properties. After purchasing property, you must then pay a 5% stamp duty.

Buying property is a large investment, and as with most major purchases, you have to research thoroughly to ensure you’ll get a good ROI. If needed, consult with property negotiators so you can get the best deals and avoid any poor decisions.