Computer Leasing

SMS Short Code

What is SMS short code? SMS stands for short messaging service, or text messaging as most of us know it but. So what is it?

Let’s take an example from television. Let’s look at American Idol. If you are a viewer, you probably recognize the statement “Vote For so-and-so Text Example To 55555.” Or, you’ve probably seen the commercial that claims to get you information fast by texting your question to 55555. Well, the 55555 is the short code. So, basically you are texting and sending it using a coded number that sends back results that the user programs or has programmed. That’s the scientific-ish definition. Or, basically you text, and a computer program automatically texts you back the results that you were inquiring about.

So why, you may ask, do they charge so much money just to send one little text message? The reason why is simple, first you have to go to USshortcodes.com, register for a CSCA account in order to order, then you have to lease it for at least three months, or six or nine. Then, depending on the service, “select” or “random”, you have to pay either 0 or 00.

Ridiculous, you might say, and I agree! Why do they charge so much? I have no idea! Probably, because they can. Everybody knows they’re making bank. But you see, that’s not the only expense. If you’re planning on making money off of short code, you still have to find a company that will process text messaging charges. That’s a lot of money, too! But, if you have the money to set all that up, and the money to advertise, you can make bank too! But seriously, who has that kind of money?

There are other ways to get services. You can Google SMS, short code, short code providers, or something to that effect. There you will find companies that will lease you a short code monthly, or yearly. But let me warn you, they are quite pricey too.

Speaking of Google, Google “Google SMS”. They have the most outstanding SMS short code system I have ever seen. You can find it all, from sports scores to the weather, and a whole, whole lot more. But that’s a whole other article in itself.

I have just created a new program that will code a cmrl file. It’s easy to use. All you do is edit your welcome message, and your reply to’s, copy, paste, then upload. That’s it! This will be a free tool available to anybody who wants to use it. Keep checking my Genius Mastermind website for details and a link to use this incredible tool.

If you want a cheap way to pay for a major financial item, then you should look at the possibilities of hire purchase. Hire purchase can help you to buy expensive items with cheap monthly payments, thereby allowing you to get the things you want more quickly. If you are tired of waiting to save your money for expensive items, then here is some information about hire purchase loans.

What is hire purchase?

Hire purchase is a form of lending, whereby you obtain goods and then pay back what you owe over a period of time. You pay a deposit, and then pay back part of the cost in monthly installments, adding interest. Then at the end of the loan term you decide whether or not you want to keep the item. If you want to buy the item outright, you settle the remaining balance. If not, you simply give back the item to the provider, or use its value to exchange for something else.

A form of leasing

Hire purchase is not really buying goods, but leasing them. Although you have the option to buy the product at the end of the contract term, during the contract do not own the product. Instead, you pay the monthly installments as a ‘rental’ fee, even though this money goes towards the total product value. This is good because it allows for flexibility and reduces depreciation, although it is bad in that you are not the owner of the item. If you were to miss payments, you would have to give the item back and would have wasted the money you spent.

What items is hire purchase good for?

Hire purchase can be used for a variety of items, but is usually good for expensive products that will last a few years, as the payment terms usually range for 1 to 4 years. Items that hire purchase is good for are cars and other vehicles, computers and furniture. All of these items can be ‘rented’ and then paid for at the end.

Low monthly payments

Even though you do not own the product, hire purchase is good because the monthly payments tend to be low. If you can put down a decent deposit, then you can get an expensive item for relatively little money each month. This can help you to stay within your budget and not get into debt. Also, hire purchase costs tend to be less than traditional loans, even if you decide to make the final balloon payment at the end.

Swapping old for new

Another major advantage of hire purchase is that when the term is up, you can use the value of the product and put it towards a new one. This is especially useful for things such as computers or cars, as you can continually upgrade for a less than you would normally. If you want to keep your products new and fresh without shelling out a fortune, hire purchase might be a good idea for you.

Make sure you can afford the repayments

Although hire purchase has many advantages, you are at risk of losing the item you want if you do not keep up with the payments. You do not own the product, so even a slightly late payment might cause seizure of goods. Make sure you always pay on time and that you can afford the repayments before you sign up. That way you will get the most out of hire purchase loans.