The company operates on that same concept today, but on a global scale that no other company can compete with. While their profit margin per product is low, it is the volume of the products sold that puts Wal-Mart ahead in the retail game.

It seems quite amazing that such a simple scheme launched a single, small scale, five and dime store into a worldwide, multi billion dollar company. As of July 2009, the number of stores in the United States alone consisted of:

• 2,630 Wal-Mart Supercenters
• 883 Wal-Mart Discount Stores
• 591 Sam’s Club Warehouses (as of January 2008)
• 150 Wal-Mart Neighborhood Markets

The above does not even take into account the somewhat 2,980 international stores in 14 countries, and of course these figures are subject to change at anytime.

The “little” guy held the top spot for the largest company in the world for four years. Talk about the little engine that could! I believe this was the only time that a company that actually manufactured nothing was “numero uno,” especially four years in a row. In more recent years, Wal-Mart has still managed to top the lists as the biggest corporation in the world more than once.

Sure, many people hiss at the mere mention of the Wal-Mart name. It has become synonymous with low-price and cut-throat tactics to make them the “low price leader.” The top dog is always perceived by the masses to be unfeeling and less than human. That’s the normal reaction of our society. Many of the ones who hiss and complain still shop there. They want the lowest price!

Gas mileage was also an issue. GM cars simply did not get great gas mileage. One reason for this was that most GM cars were sports models or they were huge cars along the lines of an SUV. For a time, consumers loved the gas consuming vehicles. However, these solid sales were common during the era of low gasoline costs. When gasoline process skyrocketed, these large cars were not popular sellers. In time, GM simply could not move models.

Sarah and her husband Elvin were in the hay business in Alabama. They hauled hay from the fields to the stores or farms in the central part of the state. One year the rains failed, and the hay fields were depleted early in the growing season. Elvin heard that Tennessee had plenty of hay for sale. So, they proceeded to drive up Interstate 65, make their purchase, and deliver hay to their usual clientele, for the same price they were getting before.

What have we learned in 2009?

As we experienced the unprecedented, have we learned anything? I hope we did. Someone once said that if a person does the same things over and over again and expects different results, they are crazy. So, what are you going to do differently? How are you going to change how you manage your business, your finances, or your lifestyle, now that you have experienced the unprecedented?

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“How does it feel?” The man asked.

“How does what feel?” The woman replied.

“How does it feel wasting your money each and every month on your home mortgage?” The man continued.

“I didn’t know I was.” She said in a bewildered tone.

“Well, if you haven’t taken the time in the last year to really take a look at the potential for lowering your interest rate and monthly payments, I promise you that you’re flushing good money down the toilet.” He surmised.

Stop Throwing Your Money Away…

We hear it time and time again; “thank you so much for the money you’ve saved me.” When you’re paying on an out-of-whack home loan, you’re essentially just throwing your money away. Part of the Home Loan Modification process is putting money back into your pocket, instead of your lender’s bank account.

As a part of our economic recovery, the more money you have to spend on commerce, the better it is for the collective people. That’s one of the main objectives behind government support to encourage lenders to freely approve Home Loan Modifications; it makes cents. Home Loan Modifications are a powerful method to readjust the inflation of America’s last decade back into resonance with where interest and payments should really be.

One of the biggest reasons lenders weren’t previously as forthright about approving your Home Loan Modification is pretty simple: They were making a lot more money from you than they should, and without adequate help or intervention on your behalf, lenders saw no reason to assist those who sought out an appropriate restructuring to their mortgage.

Thankfully, things have changed…

Not only have circumstances changed; it’s not uncommon for people paying on high interest loans to see their monthly mortgage payments drop significantly. In fact, depending upon where you live, you could see a drop in your interest and payments that dramatically change your lifestyle. How amazing would it feel to have an extra $500, $800, $1,000 or more extra every month? It would make an enormous difference, wouldn’t it?

Able Financial Solutions will negotiate a loan modification in your best interest, if you qualify. Our goal is producing the best results for your particular situation. The Home Loan Modification process is quite frankly something everyone should be looking into. The financial reality of both residential and commercial markets are completely different than when people bought their properties from the late 90’s – 2005.

It’s your absolute right to restructure your home loan to match the current market value.

We’re putting this information out there as bluntly as possible because a lot of people simply don’t know the powerful options they have in times of hardship. Indeed, stress and fear can be blinding.loan modification

n fact, if you’re struggling just to make ends meet, and keeping your home is becoming more and more of a difficulty, then you’ve simply got to begin the Home Loan Modification process NOW! Stop convincing yourself “this is just the way it is.” Sure, it might be right now, but your situation can change in a heartbeat. The path towards financial empowerment begins by picking up the phone and calling Able Financial Solutions to discover how a Home Loan Modification will create relief in your life.

Working with Able Financial Solutions enables you to:

• Stop paying on a high interest, high monthly payment mortgage immediately.

• Feel free from the burden of believing you didn’t have any other option but to continue paying way more money than you really have.

• Keep your home safe from foreclosure.

• Have more money in your pocket for the stuff you’d really enjoy doing.

• Avoid having to just give the keys to the bank and walk away from a financially toxic situation.

Look, at the end of the day, it doesn’t matter what financial class you fall into. Home Loan Modifications are an appropriate step for just about any homeowner to take. The process of renegotiating your home loan is an amazing reprieve from believing you were stuck in a horrible contractual obligation. Your lender has learned its lesson. They know that holding you accountable for a lopsided loan isn’t in anyone’s best interest these days.mortgage modification

Did you know?

• Lenders are directly sending out packets of information about how you can perform your own Home Loan Modification? (Many lenders do this so you don’t seek out representation.)

• There are literally millions of homeowners who would hugely benefit from entering into the Home Loan Modification process right now?

• More Home Loan Modifications are approved now than perhaps at any other time in American history because of government intervention and oversight?

Able Financial Solutions is proudly in the business of saving you money. We believe that every homeowner has a responsibility to discover if a Home Loan Modification would be of assistance to them. Why? The more people who empower themselves, and help society gracefully recover from the real estate financial bubble popping; the faster we’ll individually and collectively become prosperous again.

When you participate in the Home Loan Modification renegotiation process, you are:

• Taking your power back from the banks and lenders who perpetuated this economic madness.

• You’re also making sure you’ve got way more money, sanity, and energy to focus on what really matters to you.

Do the math… Do you want to continue giving your lender more money than they deserve? Or is it perhaps time to take back your power and save yourself an absolute ton of money, stress, and anxiety?

Able Financial Solutions is ready when you are once you’ve come to the obvious conclusion. We’re also here to help you become aware of whether you even need our help to perform a successful restructuring of your home loan… Hey, we’re in this economic recovery together, right?home loan modification

Please don’t hesitate to email or call to determine if you qualify for a Making Home Affordable loan workout or lender mortgage modification.

Business Owners from hotels, restaurants, bars and many of the retail shops along the Grand Strand are seeing a boom in business! All types of business owners have reported major increases in their business as a result of the mishap in the Gulf. A lot of the tourist who typically vacation along the Gulf Coast have changed this years plans because of the high impact the BP Oil spill has created along the beach and resort areas. Many tourist are concern about encountering oil soiled beaches and are headed east to Myrtle Beach instead.

Calls are flowing in from vacationers concerned about the spill and looking for a different beach destination to visit this year, These are the reports from the Myrtle Beach and North Myrtle Beach Chamber of Commerce.

Fishing Charters have seen as much as a thirty percent increase compared to the 2009 fishing season. As the condition in the Gulf continues to worsen, many of the recreational anglers have begun their quest for new waters to partake in. Currently there are about 80,000+ square miles of federal waters, that’s roughly a third of the federal waters in the Gulf, where there is currently a NO FISHING policy in effect.

It has recently been released that Florida-based ResortQuest rental company with outfits in South Carolina has booked at least $40,000 worth of their reservations on the Grand Strand within the past few weeks due to its clients vacationers changing travel plans from the Gulf Coast. The company’s marketing executive stated that it is likely that a major portion of their $18 million dollars worth of bookings along the Gulf Coast will be directed to areas such as the Grand Strand.

Resort occupancy along the Strand are continuing to increase since the holiday weekend, but this year it is for another reason.

This past Fourth of July weekend AAA reported a marking 17% increase from the previous year. Many of Myrtle Beach’s hotel owners are saying its an unfortunate situation but, the Gulf Oil spill is having a very positive impact on the Grand Strands economy.

The Carnivale Motor Inn recently stated they are getting in the neighborhood of 15 and more calls each day. For many resorts this is the best summer they have seen in over two years. A bunch of the resorts are saying many of the visitors are from Florida.

Myrtle Beach Property Managers are saying that the next market that could be affected is the real estate market. The impact of Gulf oil spill could muck up housing markets in the Gulf for years. Many Baby Boomers that may have been considering the Gulf for retirement are changing focus. The Grand Strands housing market currently has some of the best bang for your buck and retirees are starting to partake in some of the lowest prices in years.

© copyright 2010 BytheBeachProperty.com

Worthwhile investment assets and possible investment portfolio returns which people allow to vanish will fall from their wallets at the checkout stand day after day. Summarized quickly, most people really should save and budget more than are doing. However, what level of savings today do you need to do Because your financial future provides no assurances and no reliability about outcomes, you are better off to restrict your present buying to accumulate substantial financial assets. These are the financial assets which can enable safety buffers for rainy days, will pay for your old age, and will fund inheritances.

Investment rates and retirement stock index investing wealth

A comprehensive family personal financial program can help you to understand durable family budget expenditure levels which would permit you to succeed with your lifetime personal finance goals. You must have a way to evaluate what is a sustainable long-run expense and savings rate. Comprehensive home financial software programs can give you such a projection by automatically generating very personalized lifetime financial plans for you. When you have access to a comprehensive and automated personal financial planning tool, it should be obvious that rather minor adjustments to your financial budgeting practices that are sustained through the years can have a very significant cumulative impact on your life-long family financial plan.

While the great majority of people do not to save adequately, you should use financial software programs which do not require that “you must always save more” as part of the financial modeling engine. You need financial planning tools that will estimate your future net worth through age 100. Your financial planning tool should allow you to adjust all projection parameters and allow you to decide for yourself where to set the wealth management balance between your current expenditure budget and the plan for your family’s estimated financial assets in the future. Those who spend less and save much more can pick whether to spend more now to improve their life today versus tomorrow. A fully automated, do-it-yourself financial planner and personal financial program application is necessary

A comprehensive and automated lifetime planner with a personal money management software application is recommended to make a much more reasonable long-term money management strategy. Furthermore, to generate a highly durable lifetime financial plan demands that you use the top financial planning software with the first-rate investment financial calculator and an excellent financial planning tools. Find the top comprehensive Roth IRA savings calculator home computer application with excellent retirement planning software, the leading personal finance budgeting software, and the top financial investment software for your self-directed life long personal financial planning.

Able Financial Solutions specializes in Home Loan Modifications in the Southern California area. We’ve gone way above and beyond the call of duty to familiarize ourselves with the unique circumstances home owners contend with from Los Angeles to Riverside; from Orange County to San Diego. Our expertise rests in our ability to understand and connect with the average person dealing with hardships.

At Able Financial Solutions, we pride ourselves in bringing forth factual, up-to-date information that helps struggling and savvy homeowners alike make intelligent and informed decisions about Home Loan Modifications. We also acknowledge there are a lot of Home Loan Modification experts who can make the negotiation process with your lender appear more intimidating than it really is…

We’re not here to necessarily convince you to do business with us (although we appreciate everyone who is drawn to work with us). Our mission is to increase the positive awareness about Home Loan Modifications, especially as it pertains to the Southern California area where we reside.

Home Loan Modifications in Southern California are an amazing opportunity for any homeowner who seeks out their government supported right for mortgage restructuring!

There are a lot of misconceptions, misinformation, and old truths not yet retold about Home Loan Modifications. If you’re a homeowner in L.A., Riverside, San Bernardino, O.C., or San Diego, listen up: The information we’re inspired to share with you is going to help you tremendously in making the right decision about your ever-expanding mortgage restructuring options.

Let’s get straight to the heart about the Home Loan Modification reality:

• The Obama Administration believes Home Loan Modifications are an essential piece for economic recovery. Obama has created a 75 million dollar federal program that helps people with home loans of less than $729,750 succeed in restructuring their mortgages.

• Lenders like Chase, Bank of America, and Citi Bank (just to name a few) are extremely compliable about approving Home Loan Modifications. Whereas, a couple years ago, Southern California lenders were quite stubborn about approving home loan restructuring of any kind. New precedence about government funding and overseeing has changed the way lenders treat mortgage loan modifications. These are empowering times for homeowners, as much as they are scary for people who don’t know their rights and options. (Note: Individual lenders are more apt to approve different aspects about your home loan modification. Contact Able Financial Solutions to learn more about your specific situation.)

The truth is that Home Loan Modifications are absolutely perfectly suited for anyone unhappy with the structure of their mortgage:

• Are you paying a loan that’s under water, e.g. no equity?

• Have you been unable to pay your monthly mortgage and need to find a solution immediately to prevent foreclosure?

• Are you already in the midst of foreclosure proceedings and are experiencing a lot of fear about what options you have to save your home?

A lot of people fail to seek out the options they have to restructure their home loans because of fearing the unknown. These ever-changing economic times, while difficult for a lot of people; are also affording YOU the opportunity to renegotiate with lenders in ways that weren’t as possible a few years ago. Lenders in Southern California don’t want an abundance of foreclosed properties. That’s of no benefit to anyone. Don’t allow the noise in your head keep you from taking deliberate and immediate action to better your life because of not fully knowing your options. The fact is that Home Loan Modifications are appropriate for anyone in the Southern California area who wants to:home loan modification

• Lower their interest rate.

• Lower their loan principle to be more in harmony with today’s reduced home and property values.

• Stop paying ridiculous monthly payments for their outdated principle loan.

No, you are not helpless.

No, your home loan circumstances are not hopeless; even if you were rejected for a Home Loan Modification in the past.

Able Financial Solutions has special relationships with many of the lenders in Southern California that allow us to complete a modification in 3-5 weeks. Our unique ability to expedite your Home Loan Modification is a peace of mind we enjoy giving our customers.loan modification

When you work directly with Able Financial Solutions, we also take the burden of stress off your shoulders by:

• Determining the outcome of your Home Loan Modification before imparting any financial obligation to you.

• We also work with you to create a monthly payment you can afford before there is any cost to you.

In plain black & white English, there are absolutely no upfront costs for your Home Loan Modification. You can take that to the, um, lender!

Take the first step and contact us today. We’re here to help you become aware of your specific Home Mortgage Loan Modification options. More importantly, Able Financial Solutions will give you the freedom to finally leave behind all the stress, worry, doubt, and fear about your cherished home. We can facilitate your ablility to regain your sanity and equilibrium so can live a more hassle free life. Isn’t that what we all want?home loan modification

Refinance What is it? In a 30 year fixed rate mortgage refinance, homeowners essentially take out a new mortgage that replaces their current one. It can be similar to reselling the house back to yourself. The value of your property is assessed, just as it would be if it was going to be placed on the market, and you renegotiates the terms of a new mortgage based on the interest rates of the day.

When Does It Work? When housing prices are high and interest rates are low, which explains why refinancing was so popular from 2002 to 2007.

Why Does It Not Work? When housing prices have fallen to the point where homeowners no longer have any equity in the property. This is why the mortgage refinancing industry, so busy and active 2 years ago, is practically unheard of today.

When accomplished at the right time, refinancing can give homeowners cash in their pocket (if the value of their home increased since they took out their last mortgage), and lower monthly payments (if interest rates have fallen, or their credit rating has increased, since they took out their last mortgage).

Cons: Fees, fees and more fees. Because you’re basically selling your home to yourself, all of the assessment fees, escrow fees and handling fees you paid when you first bought your property still apply.

Repayment Plans What Is It? loan modification solutions are a great solution to temporary hardship on the part of a homeowner. This solution involves the lender temporarily modifying the terms of a mortgage so that the homeowner can enjoy lower payments in the short-term at the expense of higher payments or longer time periods in the future. It is essentially a case where the lender bets that you, the homeowner, are a good investment; that you are likely to overcome your temporary setback and fulfill your mortgage.

When Does It Work? If a homeowner has a great relationship with a lender, and if the lender itself is on a sound financial footing, repayment plans are the best option for everyone involved. They are revenue neutral for lenders, and homeowners are generally happy to endure stricter long-term conditions in exchange for temporarily relief when they need it most.

When Does It Not Work? When lenders are receiving billions of dollars in government bail-outs because they are not financially sound, or when high unemployment makes it unlikely that a homeowner’s hardship will be temporary.

Pros: Least costly option for both the lender and the homeowner.

Cons: Too conditional. The national unemployment rate and a global financial crisis of epic proportions, simply makes it too difficult for lenders and homeowners to credibly negotiate a repayment plan.

Forbearance What Is It?Forbearance is a interim suspension of monthly mortgage payments. It is generally used for temporary hardships that are foreseen in advance by homeowners and lenders. Setbacks such as death, divorce, unemployment or illness are widely accepted as temporary hardships by lenders.