Archive for July, 2008.

Three Pitfalls With Importing From China

Posted on July 27th, 2008 by admin in Christmas Debts

Three Pitfalls With Importing From China – And How To Get Around Them
It is hard to find any product in this day and age that doesn’t come from China. But are these products well received and has Chinese manufacturing managed to shake its bad reputation the same way some other Asian countries did 20 years ago. Apparently not if you followed last year’s news reports of safety concerns and product recall of Chinese-made goods.
So are all the criticisms true? We decided to look at the three most common myths of buying products from China and see how valid they were.

1. “Chinese products are unsafe.”

This is a long-held belief that has been brought to the forefront of people’s minds again by several high-profile cases in the US.

Mattel enacted a massive toy recall in August 2007 because the toys had been decorated with lead paint, an illegal practice in many western countries. An estimated 10.5 million toys were recalled, which led people to question the safety of many other Chinese products.

Who is to blame in such cases?

Some Chinese export companies say that people are looking in wrong place for answers and, instead of looking at manufacturer, we should look at the companies ordering the products.

Rose Li, Chinavasion public relations manager, said Chinese factories were only able to work to the specifications given to them by the customer.

“Chinese factories will view improved materials and certification as optional extras, which increase the price,” she said.

Ms Li said importers looking at sourcing products from China should first find out the end markets’ exact safety compliance standards before telling the manufacturer about the exact specifications they needed for the product.

She said it is also a good idea to buy a single item first to check that the product was safe and worked well to guarantee customer satisfaction.

2. “Chinese manufacturers will try to cheat you after you pay.”

While a quick search online could turn up hundreds of stories of people who say they have been cheated by Chinese suppliers you would be getting an unbalanced picture as those with good experiences are much less likely to speak out.

Steve Wu, Chinavasion purchase specialist, recommended those using credit cards to do it through a third party payment handler like PayPal.

“That will prevent the seller from getting sensitive credit information from the buyer and allow the buyer to stop the payment if there are any problems with the deal,” he said.

Another key piece of advice offered by regular goods traders is to transfer money into company bank accounts and not personal bank accounts, and always keep a documented record of transactions to help dispute cases if things go wrong.

3. “There is no way to tell if a Chinese company is legitimate.”

This is a particularly big fear for exporters who buy online or over the phone and are afraid the company they are ordering their products in might not actually exist, or may be in financial trouble, leaving them no recourse if they pay for an order and that order does not arrive.

Analysing some case studies of people who’ve been scammed, certain patterns emerge. Seasoned importers will spot obvious danger signs at the beginning of each story that should have warned the buyer away at an early stage… before money changed hands.

Many Chinese manufactures are also registered in Hong Kong and can be checked online at icris.cr.gov.hk/csci/

Do you need more great information about Sourcing Hot Products from China? Visit http://www.chinavasion.com now for a free online course to help You profit from China Electronics.

To get a complete, free, e-course on profiting from China wholesale, visit http://www.chinavasion.com now.

Rose Li is the PR Manager for Chinavasion, China’s top electronic wholesaler.

Christmas Debts

Posted on July 27th, 2008 by admin in Christmas Debts

How To Get Rid Of Your Christmas Debts?
Summary: If you do your Christmas shopping with the help of credit cards, then you need to consolidate at the end of the festival season. It is always better not to let your multiple credit card bills pending for long periods.

Credit cards provide a convenient shopping experience to the consumers. If you are a habitual user of the plastic money, just make sure that you do not fall in a debt trap. Festival season is the time when your finances are tested; you have more expenses to meet than expected. It happens on every festival season and yet some people act carelessly, only to find themselves in a debt trap.

Savings can help in meeting festival expenses, but it is equally convenient to borrow money and pay later to the lender in easy instalments. It is very much a way of life that has been adopted by the consumers all over the world. The consumerism has spread in the financial sector as well; you can purchase money by paying a specific ‘interest rate’ on it. In other words, money is available on ‘money’.

Coming back to the problems faced by an average consumer after the festival season comes to an end in January, it can be safely said that debt consolidation loans are very much a smart choice for many indebted people. Here, is an option to consolidate your debts and pay instalments according to your repayment capability. Smart people, who have a strong hold over the way debts are managed, consolidate more regularly.

These loans can help people who are heavily indebted and finding it hard to meet their monthly loan obligations. If you are still carrying forward your last year’s credit card debts, consolidation may help you. In fact, your credit card bills, overdrafts, small bank loans, etc., can all be merged and consolidated into one single debt. You can do it with the help of unsecured debt consolidation loans, without any need of security. However, these loans will allow you only up to £25,000.

A research reveals that many people in the UK carry their previous year’s holiday loans into the next year as well. Christmas debts also remain pending in the same fashion for many borrowers. Being indebted to several lenders can make you stressful; you can easily avoid it by consolidating your debts. Debt consolidation loans are available online, making it very easy and convenient to apply any hour of the day and any day of the week. Just look for the type of loan that will suit your financial condition and apply for a suitable debt consolidation loan. It may be secured or unsecured, depending upon your preference and monetary requirement.

Author Bio: For more tips on Loans for you and your family. Amenda Dorothy works as a business writer for Loans-park. To find quick personal loans, debt consolidation loans, unsecured loans visit www.loans-park.co.uk.