Tag Archives: better

Finance

Is it better to lease or finance my next vehicle?

With today’s slowing economy there are numerous promotions coming from the vehicle’s manufacturers, if you are in the market for a new car you may want to take advantage of these generous offers before the inventory is depleted. Before you sign on the dotted line you should understand some of the pros and cons when it comes to lease or finance your next vehicle. Here we will begin with the lease option first:

 

What is a lease on a vehicle – a lease is essentially a long term rental, the monthly payment you are making equates to the depreciation of the vehicle over time. “Buy out” or residual value on the vehicle is the predicted resale value in 24, 36 or 48 months.

 

Pros:

 

– Lease is generally cheaper in monthly payment because of the residual value will be paid separately which is not calculated within your monthly payment. Lease offers better cash flow, or cheaper monthly payment therefore increasing the affordability.

 

– You can claim the lease as your business expense if you have your own business registered.

 

– If you don’t want to deal with any vehicle repairs lease is the best option, since majority of lease programs fall within the manufacturer’s warranty period, leaving you with hassle free driving for years.

 

– If you can’t make up your mind about a vehicle, lease is a great way to really try out the vehicle for the 3 or 4 years term, and the ultimate decision to buy out the car is still in your hands.

 

Cons:

 

– You don’t actually have any equity in the vehicle, since you are paying the depreciation on the vehicle there is no real equity by the end of your lease term.

 

– You are responsible for the vehicle if you are planning to return it at the end of your lease term. Normal wear and tear is expected by any noticeable damage to the vehicle will have to be covered by you.

 

– You are restricted on your kilometer allowance if you a lot of driving, you will face still penalties when returning the lease.

 

– Title of the vehicle remains in the manufacturer’s or the lien holder’s name not yours. It is no considered to be your asset; therefore the vehicle can not be sold without a lien release letter from the lien holder.

 

 

Financing a vehicle explained – Financing a vehicle is paying back on a car loan over period of time, the amount borrowed is the “capital cost” on a vehicle. A.P.R or your annual interest rate is calculated based on your capital cost. Once you have signed the bill of sale the title of the vehicle will be in your name. The vehicle will become your asset and you will be solely responsible for resale or repairs on your car.

 

Pros:

 

– When your finance term ends there is no residual or buy out value, the vehicle will be free of lien and in your name.

 

– Negative equity rarely occurs when you are financing your vehicle, at any given time when you are trying to sell your car, you should be able to walk away from your loan.

 

– You pay less interest overall, when you calculated every penny spent on that particular vehicle, your total amount spent including interest will be less compare to you buying out your lease.

 

Cons:

 

– Monthly payments are much higher compare to a lease, usually double your lease payment, this is because the residual value on a lease payment is also been calculated into your monthly payment.

 

– Cash flow becomes an issue when financing since monthly payment is much higher, if you miss or default on your payment you maybe risking your credit score been lowered.

 

Now you have a comprehensive understanding with both options, you can use your best judgment when it comes to your next new car.

 

Author Rick Tao Li, for more useful articles related to this topic please visit me online at http://www.soscarloans.com

Author Rick Tao Li, for more useful articles related to this topic please visit me online at http://www.soscarloans.com

Finance

5 Practical Tips On How You Can Make Better Finance Choices

With the way our economy is behaving today, it is but proper that we devise ways on how we can make better finance choices that we have to follow religious in order that we may live with peace and contentment. Every one of us, regardless of our gender, race, age, or even hair color, got to manage our own finances, particular personal one.

And in these challenging and changing times, this can prove to be a wise move since if we do our finances correctly then we will be able to also improve our personal financial situation. Now-a-days we really can’t afford to continue living an extravagant life that we may be familiar and used to doing some years back. It is now time to do away with all the luxuries that are not really necessary and stick with the necessities.

For some people, this can be quite an exciting and a challenging passion. For some this can mean a never-ending and constant struggle. Still for others this situation is something that must be taken care of and should be dealt with, but can also be taken lightly. But whatever the case maybe, be it the fact that personal finances and managing it is but drudgery and an emotion-provoking one, still the truth remains that we need to do something about it and find out ways to be able to make better financial choices.

So, enumerated below are five of the practical tips and suggestions on how we can do it. Consider the following that we can possible do in order to keep track of our finances, less stress and worries.

 

Get organized.  When you are an actual messy person, when it comes to your money matters, being or organized can mean a lot here. This is crucial and important. You are not supposed to miss essential due dates, paying late is not something that will help you. Learn how to handle everything that you owe and the time when you should give it back. If you will be messy and disorganized chances are so are your ability to finish off debts or to handle your finances.
It is always better to have a plan. You should know very well where every dollar that enters your house goes. Know where every cent come from and where it is headed or going to. Plan all your expenses, since if you will not one, you would not know where every penny goes and you cannot make any smart financial choices and decisions.
In making the plans, it would be fun to include your family in doing it. All of you must decide what are the things that you should prioritize. Then after this, you can easily divide your budget appropriately. If ever your family takes pleasure in eating out, plan it accordingly. Just remember that every time you do this, you have to cut down on other expenses so that there will be no overlapping of expenses.
Never ever buy things impulsively. A certain amount meant for the miscellaneous items in your budget should never include those unnecessary or impulsive buying and spending. Do not buy those things that you are not really planning to buy or else you will tend to feel that you are instantly blowing your budget. So plan again and don’t forget that list when you go shopping.
Finally, remember that your personal finances are nothing but just that—personal. Although, everyone loves to give and hear advices, remember that what works for the others might not work for you. Consider the fact that your finances can be the extension of who you really are: unique and completely different from the others.

And for all it’s worth, you have nothing but yourself to do the decision-making; where you are going and what you are going to do. This is so to avoid putting the blame on other people.

 

 

 

 

Hal Johnson has been writing articles for nearly 4 years. Come visit his latest website over at http://www.menspromiseringsreview.com which helps people find information on
Mens Promise Rings and deals on all other types of promise rings.

Finance

Outer Finance Institutions, South Carolina : The Additional You Go, Better

South Carolina’s Outer Finance institutions are not just a magic formula. Plenty of individuals know about these people, and they will get overcrowded in the summertime. But they perform tend to explore the shuffle of very popular beach destinations abroad, as well as in places like Sarasota and South Carolina. Even so, there is something unique about the Outside Banks, and they are a real take care of for anyone who is content material to avoid the flamboyant resorts even more south as well as the glimmering Caribbean destinations.

An important feature about the Outside Banks-technically, the 200 kilometer long string of quite thin hurdle islands off the coast associated with South Carolina-is that they go on for a long distance. Should you be willing to travel a few hours straight down the seacoast, you can get far from the busy Southern vacationer towns associated with Nags Brain, Kitty Hawk, and Kill Devil Mountains and find a number of the nicest and many peaceful seashores on the new england. This is not to say that generally there aren’t a number of attractions over these towns, specifically if you don’t brain crowds. Your dunes at Nags Brain and Kitten Hawk (in which the Wright Bros made their own legendary 1st flight), certainly are a natural ponder, and there’s a good small local arts landscape that operates galleries and also holds typical events.

For the west of these towns over the highway, you are able to stop away on Roanoke Island, while using town of Manteo and the Dropped Colony associated with Roanoke Tropical isle exhibit, that highlights in which interesting and mystical moment inside South Carolina’s history.

Once you get to the region of Hatteras, State Highway 12 takes you south from the Cape Hatteras National Seashore, where there aren’t any towns for miles. Going swimming is not granted on a few of these beaches, however there are many stopping points over the highway where visitors could pull over and drop the water.

The island is so narrow in which, in certain spots, you can browse your quit and see the Atlantic, and appearance to your appropriate and see the broad Pamlico Sound. Your sound, over which you can just barely make out the shore associated with mainland South Carolina, is one of the best destinations inside South America for serious fishing enthusiasts. Most species of Atlantic sea living tend to obtain trapped involving the Outer Finance institutions and the mainland, which makes the sound any fertile mating area in which teems together with life.

Additional south on Hatteras Tropical isle, small, peaceful towns just like Avon, Buxton, Rodanthe, and also Frisco present modest pad rentals at the beaches, which can be rarely congested and so expansive that you can usually find a nice, secluded spot for a spend the day in solitude. At Hatteras, the largest community on the tropical isle, you can see the tallest lighthouse on the new england, and even camping out for the very cheap price at Cape Point Camping area, just one thousand feet in the beach.

For further information about South Carolina Bank please visit at http://www.pinnaclebanksc.com

Banking

Plat5 Consulting Offer Banking on better Service and Product Innovation

THE complexion of the banking sector has changed dramatically in terms of products and services in a market where the customer has more options than ever before and banks are compelled to review constantly their package of products and services.

Banks in India, traditionally, offered mass products. With the reforms came a massive expansion of products and services driven by technological advances that had a dramatic impact on the delivery systems and the ability to service a greater number of products.

Profitability, the new mantra in banking, forced banks to transform into financial supermarkets. The focus has shifted to class banking with value-added and customized products for diverse customers.

Banks with differentiated products targeted at customer groups, rather than treating products as homogenous commodities will be the winners. Many banks such as SBI, HDFC, and ICICI are designing products for every stage of an individual’s life – from childhood to old age. Retail ban king is the buzzword, and banks are developing innovative products tailored to customer needs.

Product promotion and marketing product innovation in banks call for newer strategies. For historical reasons, product promotion has so far remained low on banks’ agenda. Product marketing and market intelligence are still in their infancy. Certain companies like Plat5 have the right domain expertise and point solutions to address the industry’s key business drivers and strategic imperatives. Blending strategy, implementation and support for diverse industry players across the sales, fulfillment and service valuing chain. It helps its client to transform, innovate and optimize towards Building Tomorrow’s Enterprise. Plat5 have provided solutions to whole range of multinational banks in India to white good manufacturers to financial services companies.

Marketing has become crucial for a bank’s success – in terms of profitability, innovative product development, optimum use of infrastructure, expanding market, and so on.

The bank of the future has to be also a marketing organization. HDFC, ICICI, AXIS, SBI and some foreign banks are setting new trends in effective marketing of their products and achieved unprecedented success. Their offsite strategy with collaboration with companies like Plat5 – such as Plat5 privilege holidays – to push personal banking products tries to catch the customer at places he visits regularly. Banks are eying one another to offer freebies and add-ons such as free accident insurance cover, free doorstep account opening, and person alised cheques as value additions. Due to deregulation and competition – among themselves and from new players such as mutual funds, NBFCs, post-offices, housing finance companies and financial institutions – banks have to create their own niches.

Technology to rescue

The contours of banking are being redefined through the all-pervasive influence of information technology and there is a marked shift from conventional to convenience banking. Product distribution channel is one key issue that should continue to engage bankers’ attention with “innovative products at lower prices” as the guiding principle. Many of the recent product innovations have used the networking technology.

Product branding

Customers today are looking for convenience – where and how to offer the product no longer matters. This is why branding is gaining in importance, especially with escalating competition. Traditionally, banking brands have been particularly difficult to build. This is largely because the financial products offered by most banks are not exciting or do not usually enhancing image. In fact, with fierce competition, there is little or no sustainable product innovation/differentiation — either in product features or the price. Clearly, there is room for powerful and winning brands, Plat5 consultancy pvt ltd offers different solutions regarding branding of products.

Pricing of products

 

Stiff competition is making it difficult for banks to price their products and services on cost-plus basis as hitherto. In the current competitive scene and the levels of product sophistication, the traditional cost-benefit approach to product pricing needs to be supplemented with more scientific and product specific pricing strategies.

Activity-based pricing with the aid of scientific methods based on customer preferences is essential. Most customers do not mind paying a little extra if they get the service they want. With shrinking spreads, banks will have to do a tight-rope walking to meet the depositors’ demand for increasing interest, and the borrowers’ clamour for lower the coupon. In such a situation, only product innovation can help. The strength of the banking system is its resilience to adapt itself to the changing times and to the ever-changing needs of the customers. Ever-escalating customer expectations, coupled with widespread deregulation, globalization initiatives and severe competitive forces, have added new dimensions to the challenges banks face in the areas of product design, delivery, pricing and so on.

Banks that have the strength and the competence to convert these challenges in to opportunities will be the winners.

PLAT5 is a group of strategically linked companies with complementing domain expertise and a well experienced client focused team.

Finance

Get Better Insight of Organization with Finance Assignment Help

Theglobaltutors specialists work under tight deadlines & are committed to deliver high quality Finance task help solutions to you. The task help provided comes with guarantee of first class task, plagiarism free paper backed by academic & journal references. The Finance task help service ensures that the net task help is used by the general public & only the best content task help is delivered to them.

Financial accounting issues can be hard to crack. Maintaining a Financial Account itself is a massive issue. And it’s needed a presence along with expertise in debugging. So they must have someone who can help us with these issues. While going on a various sites on web I came across a website named Theglobaltutors.com which nicely covered so plenty of areas and also expertise in delivering the highest quality of Financial assignment and Project Help at reasonable cost.

They also provides help related to personal finance like Asset types, Actual estate, Securities, Commodities, Futures, Accounting, Balance sheet, Book keeping, FASB, Income statement, Working capital, Ratio Analysis, Financial an overall performance Analysis, Comparative & Common size financial statement analysis, Money flow statements, Fund flow statements, Budgeting & Budgetary Control, Marginal coasting, Working capital management, Cost of capital, Capital Budgeting, Capital structure, Leverages, Portfolio Management, Risk Analysis, Stock & Bon pricing, Stock management etc.

They chiefly work in the specific areas related to finance like Essential financial ideas like capital, capital asset pricing model, Funds flow, Funds flow matching, Financial modeling, Entrepreneur, fixed income analysis, Rate of interest, Short Rate model, Interest and Investment, Locked-in-value, Liquidity, Micro credit, Personal financial planning etc. This is only the net tutor which will provide all these things altogether which is chiefly not provided by any of the net tutor. The only thing you require to do is that along with your issue statement you provide all the relevant knowledge and they will send you the estimation time and the budget necessary for that issue.

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Theglobaltutors offer online education tutoring in all academics subjects for all students from university, college and doing their graduation and exam preparation To get one on one Finance Assignment Help and Financial Accounting you need to register on live chat For schedule your class, Homework Help, and Assignment Help.

Finance

Household Budget Spreadsheet ? Path to Better Personal Finance

Managing household budget is an art in itself. In this time of recession a person must have a hold on his or her household budget. When you create a budget for your family, you clearly know the expenses against your monthly income. This helps in taking decisions about your family spending. A household budget spreadsheet is the most efficient tool to deal with the different aspects of personal financing.

What is household finance?

It is said that life is full of ups and downs. One must always be prepared to face the different challenges of life. Creating a family budget helps in avoiding financial problems in the future, thus giving your family the ability to handle unforeseen events. Putting a family budget takes a lot of time and effort. Here comes the importance of a household budget spreadsheet.

The first and foremost thing before preparing your household budget is to gather information. One must have a track of the family income which includes the income of both husband and wife. It will also include details regarding any additional incomes if any. This should be followed by having a track on your expenses. Gather all of the household monthly bills including cell phone bill, electricity bill, loans, rent, water usage bill, cable bill, school fees and other miscellaneous expenses.

Contents of a household budget

The first step towards creating a household Budget Spreadsheet is to select a budget template that best suites ones household expenses. Wide varieties of household budget spreadsheets are now available in the internet which you can download without incurring any cost. One can even design a budget spreadsheet using Microsoft Excel. If you are not well versed with Microsoft there are many websites which will guide you to do the same in an easy and understandable way.

A household budget spreadsheet will basically have columns for income, expenses which will include both fixed and variable expenses, and then at last your net income. Your net income will be calculated after subtracting expenses from income. Fixed expenses will include loan, insurance, rent, tax, school fees etc. While variable expenses will include electricity bill, water bill, gas bill, groceries, telephone bill, cable or satellite bill, auto maintenance, medical bill, clothing, dry cleaning etc. One can always customize a household budget spreadsheet. Once you have made a template of the same, you only need to enter the exact numbers and in a second you will get your monthly net income.

Provision for months and year should also be made. Thus a household budget spreadsheet helps you in analyzing your expenses and incomes so that you can curtail unnecessary expenses thus saving for the future. This will in turn help you in making investments. The increased importance of spreadsheet has lead to an increased amount of budget spreadsheet that is now available in the market.

A household budget spreadsheet is a tool to manage income and expenses. It is a versatile medium to keep track of your expenses which is a must for your future. Moreover, it is an important instrument for financial planning.

 

Please visit the latest articles about paycheck stub templates, sample payslips and free lease agreements.

Finance

Personal injury Lawyer New York Arranges Finance for Better Medical Aid

Lawyers are your legal aid that will always help you in managing lawful problems and simplifying complexities. In fact, they act as the bridge between the sufferers and the court of law, which represents the case for getting best results. After all, it is the task of the lawyers to plan and strategize things in such a way that the decision is favored towards their clients only. As the sufferer, you can do a many things to make the claims’ sanction stream smoothly. Apart from offering proper certification in an opportune manner, you can bring an affirmative attitude to each meeting. Since insurance companies are already know aware of the fact that their client is accountable, there is no need to continually remind them of obligations. Most agencies having Personal injury lawyer New York will shell out a fair amount if formalities are carried out in a judicious manner because they want to evade the likelihood of a lawsuit.

In accumulation to proposing material on time, you can also keep the lines of statement open. It is not fair to anticipate an insurance company to be conscious of medical changes if you do not tell them. Managing contact with agents speeds up the claims progression and prevents rejection. If you are looking to prosecute for any reason, it will most likely happen this way. Personal injury lawyer New York should care about their clients and make certain that they are doing everything they can to get you what you deserve. They will be amiable and relate to you while still managing a specialized stature to guarantee that you will be taken care of and your claims are safe under their care. Whether you are on the victim side or the culprit side, your lawyer will take care of you. If you are being erroneously accused and need to prevent someone from suing you then you want to make sure you have the best Personal injury lawyer New York you can have. You would require your lawyer to be rapid enough to peacefully get you out of any situation you might need help with.

Personal injury Lawyer New York is someone that would take on numerous cases, and a lot of time that an attorney is spending in courts and making preparations. However, it is interesting to know that the majority of personal injury cases never in actuality make it to court. The reason for this is that most lawyers and their clients are geared up to settle out of court to shun not only the length of trails but the added cost to going to testing. Different people are going to have their court proceeding heard in small claims court in which a judge may listen to the case and permit the parties to reach a verdict that is mutual. If the parties cannot make a decision that is communal, then the case may then go to state court, and perhaps even centralized court, though this is rare.

Personal injury lawyer New York enables the people to take right decision and makes it possible for them to derive mutual consent to avoid lengthy court cases.

Dean McDurmont is a master of law, who has expertise in handling Mesothelioma and other medical malpractice lawyer New York cases. With more than 8 years of experience, he has been able to do justice to numerous victims. Read more: http://www.nbrlawfirm.com

Finance

Finance & Insurance For Better Future

In recent few years in banking system there is many changes which were seen by us. Now banking is not only referring for saving money it has a wide area of finance institutions. The changes are comes day by day in Banking Services make them more intentive and useful. These services are help very easily to a man to get complete his dreams. If you think for buying a home or expand your business it really tough for you to get a big amount of money in one time but with using services of a bank or finance institution you can borrow money within an easy way to complete your desire work. These days in banking sector diverse of service are added on for helping their customer in easy way.

Banks are starting with a purpose of saving money of people in old days, it has also an idea to arrange money in a big manner because it is not possible to anyone get a big amount of money at a time. Now this idea was extended with the time and come in face of banking system. Banking Services can make easy to everyone collecting their money and taking loan services too. This era the services or business which was done by a bank can be the highest earning business.

A business require insurance for the running it without any stoppage. A business have to face many situations and for prevent them a business require insurance. An Insurance of Business provides you cover against loss of your building place and your services or business and products. No one knows about the misshappniegs of future so taking an insurance plan cab be helpful to get back your damages if any misshappning.

Pioneer Finance Times is a place where you can get all information about the finance and services in finance sector. Here lattes changes in finance sector rules and policy which are effecting your policy can be find easily. The articles and info of this site is helpful to you for doing some little mistakes which you can do in lack of info. Money saving and collecting here lots of ideas and tips for make your business here can be provided you by some expert persons for helping you. The proper way of using money in a way which is helpful you in future can be idea which is provided you here.

For your more information regarding Pioneer Finance Times visit our website http://www.pioneerfinancetimes.com/

Finance

Package at NRAS Finance Is a Better Option

NRAS Finance is a good option in property investment on not only the incentive, as we all know but also how it was being developed. The program itself was being studied before being initiated by the government to the private investors and developers. Starting from scratch, everything is planned accordingly by certified public sectors to ensure that these rental homes can satisfy both the investors and renters’ needs. Banks easily qualify you for an NRAS Finance if so because this program is highly supported by the government and there is a sure win for everyone involved in this investment.

Land development done with the NRAS Finance packages are well-planned by provider’s expert building and construction affiliates. There is a use of urban and regional planning since most areas for an NRAS program are huge and not yet as populated compared to the downtown area per city or state. These are considered an expansion of the city yet it provides necessary amenities easily accessible by the renters of NRAS homes. NRAS Finance can provide the complete information for you on how to be in partnership with such investment property option. The packages that each provider offers but you can choose which one you would prefer. You may haggle with your provider for an agreement that you should sign into paper. Make sure that you know the details just in case there are hidden fees that might add on your mortgage each month.

Most states in Australia do have development property firms that offer NRAS Finance. Wherever you may be interested in investing, rest assured, these providers are just nearby. It is best to gather more information yet from different sources and weigh them out with what you really want. Successful investors highly favor investing in properties where deep analysis is done during urban and regional planning.

You will know that you did it right with NRAS Finance because there will be a positive cash flow of income from this investment. It means that, in total, all your costs will be covered by the income that you will get. What remains is already a profit. With the rental rates and yearly incentive, you will always have the income that you can rely on. This option fits best to those who are retired or nearly retiring. When you seek for a provider, choose those who are adept in Land development and urban and regional planning for an NRAS Finance.
 

For more information visit this links NRAS finance and also read about urban and regional planning

Banking

Banks in India available for better banking

Whether or not, a superior banking option comes out to be the top priority for most of us looking business deals big or small. We often expect to have a hassle-free transaction with 24×7 customer services. Our anticipation turns rigid even further to the bank when it may charge you lower and serve you better unrequitedly. For that all there is a must to have a valid bank account of any bank to rule the roost. There are growing numbers of banks present in India. It appears as if there were a financial revolution took place aggressively in India. You could have a better banking anytime from anywhere in India.

Indians have banks around in large numbers, offering credit/debit card deals. These banks are doing all to allure more and more customer each year coming with different marketing strategies. You are several nationalized banks in India. It includes Allahabad Bank, Andhra Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena Bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, Syndicate Bank, UCO Bank, Union Bank of India, United Bank of India, Vijaya Banka and Punjab and Sind Bank.

Private sector banks include Axis Bank (Formerly UTI Bank), HDFC Bank, ICICI Bank, IndusInd Bank, ING Vysya Bank, Kotak Mahindra Bank, Yes bank, Up Agro Bank Corporation Ltd.

Most banks offer a fee-free opening period, normally of a few months, and it is worth seeking out these deals. It is imperative for you to ensure that you have compare charges and facilities for following the deal period ends.

India’s largest lender, SBI (State Bank of India) is planning to cut the interest rates substantially to benefit lenders, after have had convened its assets and liability to discuss interest rates. It is expected that the deep cut in lending rates will make SME (small medium enterprise), personal loans, car loans and corporate benefit.

In the same manner, the country’s second and third-largest banks, ICICI Bank and Punjab National Bank respectively are also likely to come down in interest rates by 25 basis points. IDBI (Industrial Development Bank of India Limited) Bank has announced a similar cut.

In the meantime, the government of India has already given orders to banks to reduce lending rates following the 50 basis points. The central bank, the RBI (Reserve Bank of India) has cut the Repo Rate and Cash Reserve Ratio.

However, there are some lenders who are still unwilling to ease rates as the liquidity deficit continues at rest. Their cost of funds still remains high.

Essentially, it comes out that the central bank’s rate cut pressing is giving a strong signal to banks to pass on the interest reduction and carrying out rapid monetary policy transmission at the spur of the moment. Its implication is overtly perceptible that if Reserve Bank of India does so, the banks will pass it on to their customers.

Majority of bankers are looking forward to ease further in the cash conditions as government spending comes in.

In this way, banking in India comes out hassle-free any affordable. Every potential customer could be a subscriber of any bank provided that he/she may fulfill eligibility of the bank concerned. Call customer care number to know more about the bank.

Author is an experienced in banks online articles. Get details about hdfc bank customer care , sbi customer care , axis bank customer care , yes bank customer care and solved your problems.