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Honolulu (/?h?n?'lu?lu?/ or /?ho?n?'lu?lu?/; Hawaiian pronunciation: [hono'lulu]) is the state capital and the most populous city in the U.S. state of Hawaii.[a] It is the county seat of the City and County of Honolulu. Hawaii is a major tourist destination and Honolulu, situated on the island of Oahu, is the main gateway to Hawaii and a major gateway into the United States. The city is also a major hub for international business, military defense, as well as famously being host to a diverse variety of east-west and Pacific culture, cuisine, and traditions.Honolulu is both the westernmost and the southernmost major American city. For statistical purposes, the U.S. Census Bureau recognizes the approximate area commonly referred to as ""City of Honolulu"" (not to be confused with the ""City and County"") as a census county division (CCD). Honolulu is a major financial center of the islands and of the Pacific Ocean. The population of Honolulu CCD was 390,738 at the 2010 census, while the population of the consolidated city and county was 953,207.Honolulu means ""sheltered harbor"" or ""calm port."" The old name is said to be Kou, a district roughly encompassing the area from Nuuanu Avenue to Alakea Street and from Hotel Street to Queen Street which is the heart of the present downtown district. The city has been the capital of the Hawaiian Islands since 1845 and gained historical recognition following the attack on Pearl Harbor by Japan near the city on December 7, 1941.The largest city and airport in the Hawaiian Islands, Honolulu acts as a natural gateway to the islands' large tourism industry, which brings millions of visitors and contributes $10 billion annually to the local economy. Honolulu's location in the Pacific also makes it a large business and trading hub, particularly between the East and the West. Other important aspects of the city's economy include military defense, research and development, and manufacturing.

 

Pearl City is a census-designated place (CDP) located in the ?Ewa District and City & County of Honolulu on the Island of O?ahu. As of the 2010 Census, the CDP had a total population of 47,698. Pearl City is located along the north shore of Pearl Harbor. ?Aiea borders Pearl City to the east, while Waipahu borders the west. The U.S. postal code for Pearl City is 96782.

 

Hilo (/'hi?lo?/) is the largest census-designated place (CDP) and the largest settlement in Hawaii County, Hawaii, which encompasses the Island of Hawai?i. The population was 40,759 at the 2000 census. The population increased by 6.1% to 43,263 at the 2010 census.Hilo is the county seat of the County of Hawai?i and is located in the District of South Hilo. The town overlooks Hilo Bay, situated upon two shield volcanoes; Mauna Loa, an active volcano, and Mauna Kea, a dormant volcano and the site of some of the world's most important ground-based astronomical observatories. The majority of human settlement in Hilo stretches from Hilo Bay to Waiakea-Uka, on the flanks of Mauna Loa.Hilo is home to the University of Hawai?i at Hilo, ?Imiloa Astronomy Center of Hawai?i, as well as the Merrie Monarch Festival, a week-long celebration of ancient and modern hula which takes place annually after Easter. Hilo is also home to the Nut Corporation, one of the world's leading producers of macadamia nuts. It is served by Hilo International Airport, located inside the CDP.

 

Kailua /ka?'lu??/ is a census-designated place (CDP) in Honolulu County, Hawaii, United States. It lies in the Ko?olaupoko District of O?ahu on the windward coast at Kailua Bay. It is in the judicial district and the ahupua'a named Ko'olaupoko. It is 12 miles (19 km) northeast of Honolulu � over Nu�uanu Pali. The population was 38,635 at the 2010 census.In the Hawaiian language Kailua means ""two seas"" or ""two currents"", a contraction of the words kai (meaning ""sea"" or ""sea water"") and ?elua (meaning ""two""); it is so named because of the two lagoons in the district or the two currents which run through Kailua Bay.Kailua is primarily a residential community, with a centralized commercial district along Kailua Road. It has a compact, easy-to-shop business district surrounded by mostly single-family homes. By 1992, 50,000 residents encompassed a central urban core with surrounding residential areas.Places of note in Kailua include Kailua Beach Park, Lanikai Beach, Kawai Nui Marsh, Maunawili Falls, and Marine Corps Base Hawaii.

 

Waipahu is a former sugar plantation town and now census-designated place (CDP) located in the ?Ewa District on the island of O?ahu in the City & County of Honolulu, Hawai?i, United States. As of the 2010 Census, the CDP population was 38,216. The U.S. postal code for Waipahu is 96797.

 

Kane?ohe is a census-designated place (CDP) included in the City and County of Honolulu and located in Hawai?i state District of Ko?olaupoko on the island of O?ahu. In the Hawaiian language, kane ?ohe means ""bamboo man"". According to an ancient Hawaiian story a local woman compared her husband's cruelty to the sharp edge of cutting bamboo; thus the place was named Kane?ohe or ""Bamboo man"". The population was 34,597 at the 2010 census. Kane?ohe is the largest of several communities along Kane?ohe Bay and one of the two largest residential communities on the windward side of O?ahu (the other is Kailua). The commercial center of the town is spread mostly along Kamehameha Highway.From ancient times, Kane?ohe was important as an agricultural area, owing to an abundance of rainfall. Today, Kane?ohe is mostly a residential community, with very little agriculture in evidence. The only commercial crop of any consequence in the area is banana.Features of note are Ho?omaluhia Botanical Garden and the new Hawai?i National Veterans Cemetery. Access to Kane?ohe Bay is mainly from the public pier and boat ramp located at nearby He?eia Kea. Access to Coconut Island (restricted) is from the state pier off Lilipuna Road. Marine Corps Base Hawaii lies across the south end of Kane?ohe Bay from the central part of Kane?ohe, although the town stretches along Kane?ohe Bay Drive to the base perimeter.The ZIP code for Kaneohe is 96744.There are three golf courses in Kane?ohe: Pali Golf Course (public), Ko?olau Golf Club (privately owned but open to the public), and Bayview Golf Park (privately owned but open to the public).

 

Mililani is a city located near the center of the island of O?ahu in Honolulu County, Hawaii, United States. It consists of two census-designated places, Mililani Town, with a population of 27,629 at the 2010 census, and Mililani Mauka, with a 2010 census population of 21,039.

 

Kahului is a census-designated place (CDP) in Maui County, on the island of Maui, in the U.S. state of Hawaii. Kahului hosts Maui's main airport (Kahului Airport), deep-draft harbor, light industrial areas, and commercial shopping centers. The population was 26,337 at the 2010 census.Kahului is the retail center for Maui residents and there are several malls and major stores (including department stores in the Queen Kaahumanu Center); other significant groupings of stores are in Lahaina such as the Lahaina Cannery Mall, the Happy Valley area of Wailuku, Maui Market Place and Maui Mall, which are both also located in Kahului, and The Shops at Wailea in Wailea.Kahului is not generally considered a tourist destination but does feature the Alexander and Baldwin Sugar Museum, Kanaha Pond State Wildlife Sanctuary, Kanaha Beach County Park, and the Maui Arts and Cultural Center.Kahului is served by Kahului Airport, located outside of the CDP.

 

Kihei is a census-designated place (CDP) in Maui County, Hawai?i, United States. The population was 20,881 at the 2010 census.

 

Wahiawa (Hawaiian: Wahiawa) is a census-designated place (CDP) in Honolulu County, Hawaii, United States, on the island of Oahu. It is located in the Wahiawa District, on the plateau or ""central valley"" between the two volcanic mountains that comprise the island. In Hawaiian, wahi a wa means ""place of noise"", perhaps a reference to the fact that once upon a time, heavy surf on the distant coast could be heard here. The population was 17,821 at the 2010 census.Lakes and reservoirs are rare in Hawaii, and Wahiawa is at once unique in being surrounded on three sides by Lake Wilson (also known as Wahiawa Reservoir or Kaukonahua). The town must be accessed by either of two bridges on Kamehameha Highway (State Rte. 80) across the narrow north and south arms of the reservoir. Outside of the reservoir, the town used to be surrounded by military bases and agricultural fields, but development is making its way up from the increasingly urbanized southern portion of the central plain. Still, there are significant U.S. Army facilities here, including Schofield Barracks, Wheeler Army Airfield, and East Range, an Army training area extending into the hills south and east of town. Schofield Barracks alone is larger than Wahiawa. Wahiawa is also the home of the U.S. Navy's Naval Computer and Telecommunications Area Master Station Pacific.The U.S. postal codes for Wahiawa are 96786 and 96857.

 

Schofield Barracks is a United States Army installation and census-designated place (CDP) located in the City and County of Honolulu and in the Wahiawa District of the American island of O?ahu, Hawai?i. Schofield Barracks lies adjacent to the town of Wahiawa, separated from most of it by Lake Wilson (also known as Wahiawa Reservoir). Schofield Barracks is named after Lieutenant General John McAllister Schofield, Commanding General United States Army August 1888 to September 1895. He had been sent to Hawai?i in 1872 and had recommended the establishment of a naval base at Pearl Harbor.Schofield Barracks has an area of 17,725 acres (72 km2) on Central O?ahu. The post was established in 1908 to provide mobile defense of Pearl Harbor and the entire island. It has been the home of the 25th Infantry Division, known as the Tropic Lightning Division, since 1941 as well as the Command Headquarters for United States Army Hawaii (USARHAW). Schofield Barracks is also home to the 8th Theater Sustainment Command. The population was 16,370 at the 2010 census.

 

Wailuku is a census-designated place (CDP) in Maui County, Hawai?i, United States. The population was 15,313 at the 2010 census. It is the county seat of Maui County.Wailuku is located just west of Kahului, at the mouth of the ?Iao Valley. In the early 20th century Wailuku was the main tourist destination on Maui, though it has since been eclipsed with the rise of the resort towns such as Ka?anapali, so much that there are no hotels to speak of in Wailuku.Historic sites in the town include Ka?ahumanu Church (named after one of Hawai?i's great monarchs, Queen Ka?ahumanu) which dates to 1876, the Wailuku Civic Center Historic District, the site of the Chee Kung Tong Society Building, and the Bailey House, a 19th-century former seminary and home that houses a history museum and the Maui Historical Society.There are two ancient temples near Wailuku, called heiau � the Haleki?i Heiau and the Pihanakalani Heiau. Both date back hundreds of years and were used for religious purposes by the native Hawaiians.[citation needed]Wailuku is served by Kahului Airport.

 

Kapolei is a master-planned city in Honolulu County, Hawaii, United States, on the island of Oahu. It is colloquially known as the ""second city"" of Oahu, in relation to Honolulu.The community takes its name from a volcanic cone, Pu?u o Kapolei. In the Hawaiian language, pu?u means ""hill"" and Kapo lei means ""beloved Kapo"". According to legend, Kapo was sister to Pele.Much of the land is part of the estate of industrialist James Campbell. Kapolei's major developer is Company. Kapolei sits primarily upon former sugarcane and pineapple fields.

 

?Ewa Beach (/?v?/) or simply ?Ewa is a census-designated place (CDP) located in ?Ewa District and the City & County of Honolulu along the leeward coast of O?ahu in Hawai?i. As of the 2010 Census, the CDP had a total population of 14,955.The word ?ewa means ""crooked"" or ""ill-fitting"" in Hawaiian. The name comes from the myth that the gods Kane and Kanaloa threw a stone to determine the boundaries, but it was lost and later found at Pili o Kahe.Along much of the South Shore of O?ahu, ?Ewa is a reference to the direction of ?Ewa Beach, roughly westwards along the shore. Related terms are mauka (towards the mountains, roughly northwards), makai (towards the ocean, roughly South), and Diamond Head or Koko Head, roughly eastwards along the shore.The U.S. postal code for ?Ewa Beach is 96706 .

 

Halawa is a census-designated place (CDP) in the �Ewa District of Honolulu County, Hawaii, United States. Halawa Stream branches into two valleys: North and South Halawa; North Halawa is the larger stream and fluvial feature. Their confluence is within the H-3/H-201 highways exchange. Most of Halawa Valley is undeveloped. As of the 2010 Census, the CDP had a population of 14,014.

 

Waimalu is a census-designated place (CDP) in Honolulu County, Hawai?i, United States. The population was 13,730 at the 2010 census.

 

Not to be confused with Waikanae, in New ZealandWai?anae is a census-designated place (CDP) in Honolulu County, Hawaii, United States. As of the 2010 Census, the CDP population was 13,177.

 

Nanakuli is a census-designated place (CDP) in the Wai?anae District on the island of O?ahu, City & County of Honolulu, Hawaii, United States. In Hawaiian, nana kuli means literally ""look at knee"". The population was 12,666 at the 2010 census.

 

Kailua is a census-designated place (CDP) in Hawai?i County, Hawaii, United States, in the North Kona District of the Island of Hawai?i. The population was 11,975 at the 2010 census. It is the center of commerce and of the tourist industry on West Hawai?i. Its post office is designated Kailua-Kona to differentiate it from the larger Kailua located on windward O?ahu, and it is sometimes referred to as Kona in everyday speech. The city is served by Kona International Airport, located just to the north in the adjacent Kalaoa CDP. Kailua-Kona was the closest major settlement to the epicenter of the 2006 Hawai?i Earthquake.Kailua-Kona saw a economic downturn during the 2008 national financial crisis but in the early 2010's saw seen significant growth and economic development. Tourism also saw a downturn in the late 2000's but has since seen some resurgence. University of Hawaii has plans for it's Hawaii Community College Palamanui Campus.[13] Since the early 2000's the Kona side has seen significant amounts of vog from Pu?u ?O?o and Kilauea via wind patterns up the South Kona Coast around Mauna Loa and Mauna Kea.[14] Visitor industry statistics show the vog has little effect on tourism traffic to the Kona area.[15]

 

Lahaina is the largest census-designated place (CDP) in West Maui, Maui County, Hawaii, United States, and the gateway to the famous Kaanapali and Kapalua beach resorts north of the community. As of the 2010 census, the CDP had a resident population of 11,704. Lahaina encompasses the coast along Hawaii Route 30 from a tunnel at the south end, through Olawalu up to the CDP of Napili-Honokowai to the north. During the heavy tourist seasons, the population can swell to nearly 40,000 people.Until permanently moving to Honolulu, Lahaina was the capital of the Kingdom of Hawaii. In the 19th century, Lahaina was the center of the global whaling industry with many sailing ships anchored in at its waterfront; today a score of pleasure craft make their home there. Lahaina's Front Street has been ranked one of the ""Top Ten Greatest Streets"" by the American Planning Association.Lahaina's popularity as a tropical getaway has caused its real estate to be some of the most expensive in Hawaii; many luxury homes and condos are sold for more than $2 million there.

 

Waipi?o is a census-designated place (CDP) located in the Ewa District of the island of O?ahu in the City & County of Honolulu, Hawaii, United States. In Hawaiian, wai pi?o means ""curved water"". As of the 2010 census, the CDP had a population of 11,674.The U.S. postal code for Waipi?o is 96797.

 

Kapa?a (Kaua?i dialect: Tapa?a) is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 10,699 at the 2010 census.The town has a large concentration of hotels, shopping centers, and tourist-oriented shops and restaurants.

 

Kalaoa is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States. The population was 9,644 as of the 2010 Census, up from 6,794 residents at the 2000 census.Mokulele Airlines, a small inter-island commuter airline, is headquartered in the CDP, on the grounds of Keahole at Kona Int'l Airport.[4]

 

Pacific WarAttack on Pearl HarborEvents Winter White House Garrison information Pastcommanders Col Brian P. Annicharico Garrison 3rd Marine RegimentMarine Aircraft Group 24Combat Logistics Battalion 33rd Radio BattalionCommander, Patrol and Reconnaissance Wing 2 (US Navy) Marine Corps Base Hawaii (MCBH), formerly Marine Corps Air Station Kaneohe Bay and originally Naval Air Station Kaneohe Bay, is a U.S. Marine Corps facility and air station located on the Mokapu Peninsula of windward O'ahu in the City & County of Honolulu. For census purposes, the area is demarcated as the Kaneohe Station census-designated place, with a population at the 2010 Census of 9,517. Marine Corps Base Hawaii, Kaneohe Bay, is home to Marines, sailors, their family members and civilian employees. The United States Marine Corps operates a 7,800-foot (2,400 m) runway at the base.MCBH is home for the 3rd Marine Regiment, Marine Aircraft Group 24, Combat Logistics Battalion 3 (CLB-3) 3rd Radio Battalion, and the Navy's Patrol and Reconnaissance Wing 2.The base lies between the two largest windward O'ahu communities of Kailua and Kane'ohe, and the main gate is reached at the eastern end of Interstate H-3. The main access to the base is by either H-3 or by Mokapu Road. MCB Hawaii is located on the windward side of Oahu, approximately 12 miles (19 km) northeast of Honolulu. Marine Corps Base Hawaii occupies the entire Mokapu Peninsula, of 2,951 acres (11.94 km2). Two areas of the base are classified conservation land which includes the Ulupau Crater area (northeast peninsula) and the Nuupia Pond area (at the Mokapu Road).

 

Ma?ili is a census-designated place (CDP) in the Wai?anae District on the island of O?ahu, City & County of Honolulu, Hawai?i, United States. In Hawaiian, ma?ili means ""pebbly"", referring to rounded stones at the shore. As of the 2010 Census, the CDP population was 9,488.

 

Aiea (Hawaiian: ?Aiea) is a census-designated place (CDP) located in the City and County of Honolulu, Hawaii, United States. As of the 2010 Census, the CDP had a total population of 9,338.

 

Waimea is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States. The population was 7,028 at the 2000 census and 9, 212 at the 2010 census. Since each U.S. state cannot have more than one post office of the same name and there are many 'Waimeas' on the islands of Hawai?i, the official US Post Office name for Waimea is Kamuela.Waimea is the largest town in the interior of the Big Island, and is the center for ranching activities and paniolo culture. The Parker Ranch in and around Waimea is the largest privately owned cattle ranch in the US, and the annual Fourth of July rodeo is a major event.Waimea is also home to the headquarters of two astronomical observatories located on Mauna Kea, the W. M. Keck Observatory and the Canada-France-Hawaii Telescope.

 

Ahuimanu is a census-designated place (CDP) in the City & County of Honolulu, Hawaii, United States, on the island of Oahu. In Hawaiian ?ahui-manu means ""cluster of birds"".Ahuimanu is spread out beneath the steep windward pali (cliff face) of the Koolau mountain and separated by a low ridge from Heeia Kea. Thus, this area is mostly inland and not directly on Kaneohe Bay. However, one neighborhood spreads over the ridge and along Kamehameha Highway where there is private access to the bay shore. Proximity to the pali gives the place a generally wet climate. As of the 2010 Census, this largely residential area had a population of 8,810. A small commercial mall is located here across the highway from the Valley of the Temples Memorial Park, a large cemetery noted for its Byodo-In Temple.The U.S. postal code for Ahuimanu is 96744.

 

Holualoa is a census-designated place (CDP) in Hawai�i County, Hawai�i, United States. The population was 6,107 at the 2000 census.

 

Ocean Pointe is a housing development and a census-designated place (CDP) located in the ?Ewa District and the City & County of Honolulu on the leeward side of O?ahu in Hawai?i about fifteen miles (24 km) from Honolulu. As of the 2010 Census, the CDP had a total population of 8,361.This general area was previously known just as ?Ewa. In the late 19th century to early 20th century, ?Ewa was one of the large population centers on the Island of O?ahu, with industry focused around sugar cane production. The ?Ewa Mill, in ?Ewa was a major employer that set up residential villages. Sugar cane is no longer grown on the ?Ewa Plain and Ocean Pointe is now part of O?ahu's new suburban growth center�an area of substantial sprawl spreading unbroken to the south to ?Ewa Beach, north to Honouliuli, and west to Kalaeloa and Kapolei. This area is now referred to as O?ahu's Second City, with a city center (downtown) located in Kapolei.

 

Makaha is a census-designated place (CDP) in Honolulu County, Hawai?i, United States. The population was 8,278 at the 2010 census.

 

Pukalani is a census-designated place (CDP) in Maui County, Hawai?i, United States. The population was 7,574 at the 2010 census. The general volcano-slope region, including nearby Makawao and Kula, is referred to as upcountry by locals, and is one of the four major population centers on Maui, the other three being Kahului, Lahaina and Kihei, all of which are at sea level.

 

Napili-Honokowai is a census-designated place (CDP) in Maui County, Hawai?i, United States. The population was 7,261 at the 2010 census.

 

Makawao is a census-designated place (CDP) in Maui County, Hawai?i, United States. The population was 7,184 at the 2010 census. Located on the rural northwest slope of Haleakala on East Maui, the community is known for being the hub of the ""Upcountry"", a part of the island dominated by mostly agriculture and ranch land.

 

Hickam Housing is a census-designated place comprising part of Joint Base Pearl Harbor-Hickam in the City & County of Honolulu, Hawaii, United States. The population was 6,920 at the 2010 census. The CDP occupies the area that was formerly the U.S. Air Force Hickam Field.

 

Lihue or Lihu?e is a census-designated place (CDP) and the county seat of Kauai County, Hawaii. Lihue (pronounced [li?'hu?e]) is the second largest town on the Hawaiian island of Kaua?i after Kapa?a. As of the 2010 Census, the CDP had a total population of 6,455.

 

Kula is a district of Maui, Hawaii, that stretches across the ""up-country"", the western-facing slopes of Haleakala, from Makawao to Ulupalakua. Most of the residential areas lie between about 500 to 1,100 m (1,800 ft to 3,700 ft) in elevation. The district has traditionally been where full-time residents prefer to live, as distinct from the generally hotter and busier, more tourism-oriented towns near sea level, such as Kihei and Lahaina.

 

Waikoloa Village is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States. The population was 4,806 at the 2000 census. An alternate name for the community is Waikoloa, which is used by the local post office.

 

Laie is a census-designated place (CDP) located in the Koolauloa District on the island of Oahu in Honolulu County, Hawaii, United States. In Hawaiian, la?ie means ""?ie leaf"" (?ie?ie is a climbing screwpine: Freycinetia arborea). The population was 6,138 at the 2010 census.

 

Ewa Villages is a census-designated place (CDP) located in the ?Ewa District and the City & County of Honolulu on the leeward side of O?ahu in Hawai?i some 20 miles (32 km) from downtown Honolulu. As of the 2010 census, the CDP had a population of 6,108.This area was previously known as ?Ewa (in Hawaiian, ?ewa means ""crooked""). In the late 19th century to early 20th century, ?Ewa was one of the large population centers on the island of O?ahu, with industry focused around sugar cane production. The ?Ewa Mill was a major employer that set up residential villages within ?Ewa (from which the modern name arose). Sugar cane is no longer grown on the ?Ewa Plain and ?Ewa is now one of O?ahu's suburban growth centers�an area of substantial sprawl spreading unbroken to ?Ewa Gentry and ?Ewa Beach on the south, Kalaeloa on the southwest, and Kapolei on the west. This area is now referred to as O?ahu's Second City, with a city center (downtown) located in Kapolei.Honouliuli is a former village and now a place name for the north end of ?Ewa, lying along Honouliuli Stream between ?Ewa Villages and Waipahu.The U.S. postal code for ?Ewa is 96706, the same as for ?Ewa Beach.

 

Wailea is a census-designated place (CDP) in Maui County, Hawai?i, United States. As of the 2010 census, it had a population of 5,938. Prior to 2010, the area was part of the Wailea-Makena census-designated place.

 

Waimanalo is a census-designated place (CDP) in the City & County of Honolulu, in the District of Ko?olaupoko on the island of O?ahu, Hawaii, United States. This small windward community is located near the eastern end of the island. In the Hawaiian language Waimanalo means ""potable water""; it is so named for the many brackish ponds in the area that were used for irrigation. As of the 2010 Census, the CDP had a population of 5,451.Waimanalo is close to, but somewhat separate from, the neighborhood of Waimanalo Beach. Waimanalo has a small commercial center along Kalaniana?ole Highway, but is separated from the shoreline and Waimanalo Beach (the longest stretch of sandy shoreline on O?ahu) by Bellows Air Force Station. Waimanalo is noteworthy for its local flavor and large agricultural lots in the valley that extend back towards the Ko?olau from the center of town. Numerous plant nurseries are found in this area. There are no hotels in Waimanalo.Waimanalo is the site of Sea Life Park, located near Hawai?i Kai on Kalanianaole Highway. The U.S. postal code for Waimanalo is 96795.

 

He?eia is a census-designated place comprising several neighborhoods located in the City & County of Honolulu and the Ko?olaupoko District on the island of O?ahu north of Kane?ohe. In Hawaiian the words he?e ?ia mean ""washed away"", alluding to a victory achieved by the populace against others from leeward O?ahu, aided by a tsunami that washed the combatants off the shore.[citation needed]He?eia includes Ha?iku Valley and He?eia Kea. The population was 4,963 at the 2010 census. The area is almost entirely one of homes and apartments. Parts of He?eia lie along Kane?ohe Bay, but public access is non-existent owing to private ownership of the property behind the shore.Notable in the He?eia area are:Ha?iku Valley, a former United States Coast Guard radio transmitter site with the Stairway to Heaven hiking trailHe?eia Fishpond,"

"

here, and the shore of the bay is surrounded by Hale?iwa Beach Park (north side) and Hale?iwa Ali?i Beach Park (south side). Further west from the center of town is Kaiaka State Recreation Area on Kiaka Point beside Kaiaka Bay. As of the 2010 census, the CDP had a population of 3,970. It is the largest commercial center on the North Shore of the island. Its old plantation town character is preserved in many of the buildings, making this a popular destination for tourists and residents alike, visiting surfing and diving sites along the north shore.The U.S. postal code for Hale?iwa, including Kawailoa, is 96712.

 

Waialua is a census-designated place and North Shore community in the Waialua District on the island of O?ahu, City & County of Honolulu, Hawaii, United States. As of the 2010 Census, the CDP had a population of 3,860.Waialua was one of the six original districts of ancient Hawaii on the island, known as moku. Waialua is a former (sugar) mill town and residential area, quite different in its quiet ambiance from nearby Hale?iwa, which is more commercial and tourist oriented. The Waialua Sugar Mill is the center of this town and the historical base of its plantation history.The U.S. postal code for Waialua is 96791.

 

Kahaluu-Keauhou is a census-designated place (CDP) in Hawai�i County, Hawai�i, United States. The population was 2,414 at the 2000 census.

 

Kekaha (literally, ""the place"" in Hawaiian) is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 3,175 at the 2000 census.

 

Captain Cook is a census-designated place (CDP) in Hawai?i County, Hawai?i, in the United States located in the District of South Kona. The community, which is actually located in the land division of Kealakekua, is so named because the post office for the area was located in the Captain Cook Coffee Co. during the early 1900s. As of the 2000 census, the CDP population was 3,206. The population increased by 7.0% to 3,429 at the 2010 census.

 

Kaunakakai is a census-designated place (CDP) in Maui County, Hawai?i, United States. It is the largest town on the island of Moloka?i. The population was 3,425 at the 2010 census. It is ""twinned"" with Embo in Scotland. The town was made famous in the 1930s by the song ""The Cockeyed Mayor of Kaunakakai"", beginning an ongoing tradition of designating an honorary mayor for the town.

 

Iroquois Point is a census-designated place (CDP) in Honolulu County, Hawaii, United States, on the island of Oahu near Pearl Harbor. The population was 3,374 at the 2010 census. ""Iroquois Point"" refers to the geographic land area that is occupied by the Waterfront at Pu'uloa (known as ""Iroquois Point Island Club"" prior to 2008), a firing range, a Navy Exchange shoppette and gas station, and Iroquois Point Elementary School. Once primarily used as a military housing community, it is now privately operated.

 

Lanai City is a census-designated place (CDP) on the island of Lanai, in Maui County, Hawaii, United States. The population was 3,102 at the 2010 census. Because of the island of Lanai's small population, Lanai City functions as the island's main commerce and business area. Many of the island's restaurants and shops can be found in the town square that surrounds Dole Park.In April 2009, Lanai City was named one of the most endangered historic sites in the U.S. It is home to an intact plantation town, something not found on any of the other Hawaiian Islands, dating back to the early 1920s. This historic district is threatened by commercial development, which would involve the demolition of a number of historic buildings.Lanai City is served by Lanai Airport (LNY).

 

Puhi (literally, ""blow"" in Hawaiian) is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 1,186 at the 2000 census.

 

Hawaiian Acres is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States located in the District of Puna. The population was 1,776 at the 2000 census.

 

Pa?ia (pah-ee-ah) is a census-designated place (CDP) in Maui County, Hawai?i, on the northern coast of the island of Maui. The population was 2,668 at the 2010 census. Pa?ia is home to several restaurants, art galleries, surf shops and other tourist-oriented businesses.Pa?ia is the last town on the Hana highway when heading eastbound towards Hana.Paia is located close to many internationally known windsurfing spots including Ho'okipa and Spreckelsville. It is therefore sometimes called ""The World Capital of Windsurfing"".[]

 

Hanapepe (literally, ""crushed bay"" in Hawaiian due to landslides in the area) is a census-designated place (CDP) in Kauai County, Hawaii, United States. The population was 2,153 at the 2000 census.

 

Kahuku is a census-designated place (CDP) in the Ko?olauloa District on the island of Oahu, County of Honolulu, Hawaii, United States. In the Hawaiian language, ka huku means ""the projection"", presumably a reference to Kahuku Point nearby, the northernmost point of land on the island of Oahu. As of the 2010 Census, Kahuku had a population of 2,614.

 

Volcano is a census-designated place (CDP) in Hawaii County, Hawaii, United States located in the District of Puna with a small portion of the CDP in the District of Ka?u. The population was 2,575 at the 2010 census.

 

Honaunau-Napoopoo (also spelled Honaunau-Napo?opo?o) is a census-designated place (CDP) in Hawaii County, Hawaii, United States. The population was 2,414 at the 2000 census.

 

Honalo is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States. The population was 1,987 at the 2000 census.

 

?Ele?ele (literally, ""black"" or ""black water"" in Hawaiian) is a census-designated place (CDP) on the island of Kaua?i in Kaua?i County, Hawai?i, United States, with the ZIP code of 96705. The population was 2,040 at the 2000 census.

 

Lawa?i is a census-designated place (CDP) in Kaua?i County in the U.S. state of Hawai?i. The population was 1,984 at the 2000 census.

 

Honokaa is a census-designated place (CDP) in the Hamakua District of Hawaii County, Hawaii, United States. The population was 2,233 at the 2000 census.

 

Keaau (also written as Kea?au) is a census-designated place (CDP) in Hawaii County, Hawaii, United States located in the District of Puna. The population was 2,010 at the 2000 census. The population increased by 12.1% to 2,253 at the 2010 census.

 

Anahola (literally ""deadly winds"" in Hawaiian) is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 1,932 at the 2000 census.

 

Princeville is a census-designated place (CDP) on the north shore of the island of Kauai in Kauai County, Hawaii. The population was 1,698 in the 2000 census.

 

Koloa is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 1,942 at the 2000 census. Koloa is often incorrectly translated as native duck, which is the correct translation for the similar-looking koloa (without the macron). Koloa has no known translation. According to one account, the district Koloa was named for a steep rock called Pali-o-ko-loa which was found in 'Waikomo' stream. The first successful sugar plantation in the Islands was started here in 1835. It became a part of Grove Farm in 1948.

 

Maunawili is a residential census-designated place (CDP) in the City & County of Honolulu, Ko?olaupoko District, Island of O?ahu, Hawaii, United States. As of the 2010 Census, the CDP had a population of 2,040. Situated mauka (inland or mountain side) of Kalaniana?ole Highway between Castle Junction and Castle Hospital, Maunawili is nearly all private homes, schools, and a few churches; horse stables complete the rural setting. There are no commercial establishments. However, residents are only minutes (by car or bus) from Kailua. Maunawili Falls is a popular hiking destination.Maunawili Valley extends behind the prominent windward peak known as Olomana. The residential developments extend only part way back into the valley, which is quite large and fairly wet, supporting limited agriculture (mostly banana growing) behind the housing. Water from the numerous streams is diverted by a ditch to much drier Waimanalo to support agricultural activities there.A golf course and agricultural research station (HSPA) are located in the valley. An attraction of increasing popularity is the Maunawili Demonstration Trail, a state-maintained trail that traverses the breadth of upper Maunawili Valley from the Pali Highway (access at the ""Horseshoe Curve"") to Waimanalo. A connecting side trail (Maunawili Falls Trail) is accessible from the neighborhood in upper Maunawili.The U.S. postal code for Maunawili is the same as for Kailua: 96734.

 

Kualapu?u is a census-designated place (CDP) on the island of Molokai in Maui County, Hawai?i, United States. The population was 2,027 at the 2010 census. Kualapu?u can be literally translated as ""hill overturned"", but is thought to be a corruption of Pu?u?uala: ""sweet potato hill"". The present settlement is a former pineapple cannery village once associated with Foods.

 

Kealakekua is a census-designated place (CDP) in Hawai?i County, Hawai?i, United States. The population was 1,645 at the 2000 census.It was the subject of the 1933 popular song, ""My Little Grass Shack in Kealakekua, Hawaii"" by Bill Cogswell, Tommy Harrison and Johnny Noble which became a Hawaiian Music standard.See also: Kealakekua Bay, where the British explorer Capt. James Cook was killed.

 

Waimea (literally, ""red water"" in Hawaiian) is a census-designated place (CDP) in Kaua?i County, Hawai?i, United States. The population was 1,787 at the 2000 census. The first Europeans to reach Hawaii landed in Waimea in 1778 (giving rise to Kauai's cheeky slogan: ""Hawaii's Original Visitor Destination"").

 

Ko Olina Resort is a 642-acre (260 ha) master-planned vacation and residential community on the leeward coast of Oahu, 17 miles (27 km) northwest of Honolulu. Ko Olina has 2 miles (3.2 km) of coastal frontage and includes three natural and four man-made lagoons with white-sand beaches. It is home to three hotel and vacation-club resorts: Aulani, a Disney Resort & Spa; the Ihilani Resort & Spa, and Marriott's Ko Olina Beach Club, as well as several resort condominiums and villa homes.The resort includes Ko Olina Golf Club and Ko Olina Marina, as well as shopping and dining at Ko Olina Station and Ko Olina Center. Watabe Wedding manages four wedding chapels on the resort property.Major events hosted at Ko Olina Resort include the LPGA Lotte Championship, Ko Olina New Year's Lagoon Fireworks Spectacular, and the finale of the Hawaii Food & Wine Festival.

 

"

Hawaii

 

You may well have discovered freight factoring but you may well not know what it is or much more importantly what it can possibly do for your firm. Trucking Receivables Finance likewise referred to as receivables financing is a type of asset based lending that can improve a firm's immediate cash flow needs. It is not a loan; no debt obligation is assumed by Receivable Financing ,and the money is unrestricted. Accounts Receivable Lending Companies in Factoring Financial Services Factoring Companies HI at Staffingresource.org- providing factoring financial services factoring-companies-hi

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Accounts Receivable Lending Companies

As most of us determine, trucking is an extremely large market with plenty of companies out there utilizing hundreds of vehicle drivers. Regretfully, quite a few of these drivers wind up in money predicaments since they are still anticipating work from six weeks back to actually compensate them. When this is the scenario for a trucking organization, consulting factoring providers for reinforcement might be the most recommended option left.

 

 

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Factoring Trucking Receivables

There's honestly nothing at all to be stressed about when it comes to working with a Factoring company-- they commonly are not like a bank or an individual who is going to leave you with a big pile of debt to repay. You give them legitimate invoices from job you have already wrapped up , you are only just speeding the repayment process.

 

 



Transportationfactoringcompany.Org

 

The history of Hawaii can be traced through a succession of dominant industries: sandalwood,[91] whaling,[92] sugarcane (see Sugar plantations in Hawaii), pineapple, military, tourism, and education. Since statehood in 1959, tourism has been the largest industry, contributing 24.3% of the Gross State Product (GSP) in 1997, despite efforts to diversify. The gross output for the state in 2003 was US$47�billion; per capita income for Hawaii residents was US$30,441. Hawaiian exports include food and apparel. These industries play a small role in the Hawaiian economy, however, due to the considerable shipping distance to viable markets, such as the West Coast of the United States. Food exports include coffee (see coffee production in Hawaii), macadamia nuts, pineapple, livestock, and sugarcane. Agricultural sales for 2002, according to the Hawaii Agricultural Statistics Service, were US$370.9 million from diversified agriculture, US$100.6 million from pineapple, and US$64.3 million from sugarcane. In 2009, the United States military spent $12.2 billion in Hawaii, accounting for 18% of spending in the state for that year. 75,000 United States Department of Defense personnel reside in Hawaii

 

Accounts Receivables Factoring Companies

As most of us determine, trucking is an extremely large market with plenty of companies out there utilizing hundreds of vehicle drivers. Regretfully, quite a few of these drivers wind up in money predicaments since they are still anticipating work from six weeks back to actually compensate them. When this is the scenario for a trucking organization, consulting factoring providers for reinforcement might be the most recommended option left.

 

 



Transportationfactoringcompany.Org

 

 

 

Accounts Receivable Financing Companies

 

Accounts Receivable Financing Companies

 

At one time or another, every business, even successful ones, have experienced bad cash flow.

Money flow does not have to be an issue any more. Do not be fooled -- banks are not the only places you can get financing. Other solutions are available and you do not have to borrow money. What is trucking factoring ? One option is called trucking factoring. Truck Factoring is the process of offering accounts receivable to an investor rather than waiting to gather the money from the client. Oh, the Irony- Trucking factoring has a paradoxical difference: It is the financial foundation of many of America's most effective companies. Why is this paradoxical ? Since factoring is not taught in business colleges, is rarely discussed in company plans and is relatively unidentified to the majority of most of American company people.

Yet it is a monetary procedure that releases up billions of dollars every year, enabling countless businesses to grow and succeed. Truck Factoring has actually been around for countless years. Staffing Factoring Companies are investors who pay money for the right to receive the future payments on your invoices. An overdue receivable or invoice has value. It is a financial obligation your customer has to pay in the near future. Factoring Principals--Although factoring deals solely with business-to-business transactions, a large percentage of the retail company uses a factoring principal. MasterCard, Visa, and American Express all utilize a type of factoring in their retail transactions. Using the purest meaning of the word, these large consumer finance companies are truly just large FACTORING Businesses of customer paper. Think about it: You purchase at Sears and charge it to your MasterCard. The shop gets paid practically immediately, although you do not pay up until you are ready.

For this service, the charge card business charges Sears a charge (typical common normal fees vary from 2 to four percent of the sale). The Benefits Receivable Loan Funding can provide numerous benefits to cash-hungry companies. Instead of waiting 30, 60, 90 days or longer for payment on a product that has actually already been delivered, a business can factor (sell) its receivables for cash at a little discount off the dollar value of the invoice. Payroll, advertising efforts, and working capital are simply a few of the company needs that can be satisfied with instant  cash.

Factoring offers the means for a producer to replenish stock and make even more items to sell: There is no longer a requirement to wait for earlier sales to be paid. Receivable Loan Financing is not just a cash management tool for manufacturers: Practically any type business can benefit from Receivable Loan Funding. Generally, a company that extends credit will have 10 to 20 percent of its annual sales bound in accounts receivable at any given time. Think for a minute about how much is bound in 60 days' worth of invoices: You can not pay the power bill or this week s payroll with a customer s invoice, but you can offer that invoice for the cash to meet those obligations. Using trucking factoring companies is a fast and easy procedure. The factor purchases the invoice at a price cut, usually a few portion points less than the stated value of the invoice.

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The U.s. Transportation Organization
specifies that there around
205,000 employees with transportation
firms and
300,000 personal service providers trucking
firms licensed to
operate in the U.S. that carried,
according to their latest searchings for billions of
items, supplies and
fundamental products .
There are numerous typical
carriers either going solo or in
groups on our nation
highways transferring these
crucial items to our
stores, manufacturingplants and shipping ports.

Furthermore  freight factoring
firms help
numerous of them and offer their
receivables financing services
countrywide including
including the following states.


: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware,Florida,
Georgia, Hawaii, Idaho State,Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine,
Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska,
Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina,
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina,
South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia,
Wisconsin, and Wyoming

Factoring Companies HI

 

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Receivable loan company Calculator
This calculator will show you how much you will make by using our receivable loan company . But, as your about to discover, you will certainly notice the increased cash flow that will occur when you use our receivable loan company
Enter the principal balance of your receivable loan company
(call your receivable loan company lender and ask for the current payoff amount):
Enter the amount of your monthly receivable loan company payment:
(invoice amount):
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Life of a Truck driver, like many other professionals can be very challenging, rewarding, and frustrating at the same time. �The com� is an information site for many of the Truckers needs. It is designed to encompass the needs of the Trucker, both on the Road and at Home.

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EveryJob is a free service dedicated to helping professional truck drivers find new truck driving jobs with the best trucking companies hiring today!

Locate truck driving jobs by city, state, position andenefits offered. Search current driving jobs and fill out the EZ truck driver application customized for cdl trucking jobs

 

Click below to find Trucking Companies in the United States:

Trucking Companies serving to/from points within the United States,
categorized by services offered. United States Trucking
Companies will be listed under all categories in which they provide specified Trucking Services.
To find companies offering specific Trucking Services in the United States, click on the list of services below.

The largest trucking companies in the U.S. set a revenue record in 2013, but revenuegrowth slowed for the second year in a row.

The combined revenue of the 50 largest motor carriers rose to $106.6 billion last year, according to The Top 50 Trucking Companies list, based on data prepared by Consulting Group in Pittsburgh.

 

Searching for the right trucking companies to move your freight can be tough, with the large amount of local, regional, and national truck carriers out there. Center helps make freight shipping simple, finding you the safest, reliable trucking companies every time you ship. Trucking companies are licensed and insured to carry freight safely and efficiently across the country, no matter the size or type of freight you need to ship.Plus, with the high volume of freight we move, we will work to get you the best freight rates possible. Simply enter in a few details below and you�ll see instant freight rates from all the top trucking companies in one easy screen

 

 

 

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Business Owners! Want Quick Curls?

 

"

�So, this is not a loan?� Travis Ramos asked as he leaned back in his chair, crossing his legs. The woman sitting across the desk from Travis smiled at him, shaking her head.�Not quite,� she stated.Travis was the owner of a small trucking company which had fallen on some hard times recently. Certainly the trucking business can be an extremely profitable venture, and for many years it had been that way for Willie. He named his business Hall Trucking, named after Rick and Julio, his two grandfathers. They had both been hardworking men, and had done a lot to make Travis the same.Disaster had struck half a year ago, when two trucks in Willie�s fifteen truck fleet went down. One was a roll-over and ended up in the trucking graveyard: the other was involved in a serious and costly accident. Travis depended on his full fleet, and missing two trucks was devastating . In addition, he just did not have the available cash to buy a new truck, plus repair the other one.Paying of bills in the trucking industry is always a major cause for concern for businesses.

 

Waiting a month or longer for bills to be paid was quite normal. In the long run, this wasn�t an issue, but if problems arose, you could find yourself in trouble.Travis wasn�t a bad owner, and he hadn�t messed up. Certain events had occurred that he could not possibly have predicted, and now he had to find a way to protect his business and prevent it from ultimate devastation.That�s where the woman across the desk came in. Travis knew she was employed by a Factoring company and that her name was Brittany. Travis had come across her company as he sat in his office late one night, pouring over the internet for some solution to his problem long after his employees had gone home.She sat there now, and explained. �it is really not a loan at all: we actually buy your accounts receivable. We aren�t giving you money to be paid back later, we�re buying something from you, and you can buy it back when you can. This is a win-win situation: we are protected from a total loss, and you're protected from the ridiculous fees and charges you'd have to pay if you borrowed from a bank.Travis agreed. It sounded perfect - perhaps too good?.Brittany laughed. �You look like you don�t believe me,� she said.�No, I do, I just think it sounds a bit too good to be true. I thought I was going to lose my company.�Brittany smiled, agreeing. �Yes, we get a lot of that. There's no way we want to see you lose your business. You work hard, you�ve put everything you can into it. Sometimes you need help. That�s what we�re here for.""Well, I'm very grateful that you came to see me today.""No problem - I'm just down the road. We normally do it all online but I was happy to come and visit you today,� said Brittany with a smile. �Let's work out a solution to your problem.�And with that they set about making a profile.

 

Travis filled the form out, with Brittany available to help him if he needed it. The profile filled Brittany and her company in on Willie�s company, and would help them determine if he was suitable for factoring. Unfortunately, not all companies are. Some were beyond factoring special brand of help, and sometimes things weren�t even dire enough for it. Listening as Travis filled out his form, Brittany was pretty sure he was a perfect candidate for factoring.When the form was done Brittany took it and slid it into her briefcase. She then stood, reached across the desk and shook Willie�s hand. He stood before they shook as well, and then smiled. They said their goodbyes and Travis walked her to the door, and then returned to his office.All his staff members were there, all seven who worked in his office. Sitting behind his desk once more he could hear the familiar sounds of his office workers going about their daily business.He shut his eyes. He felt so drained: he had been flailing helplessly for so long, he just knew his business was going to collapse and probably take him with it. But now, after speaking to Brittany and learning all about Factoring, he felt such a huge relief, like someone had just lifted a huge weight off his shoulders. He relaxed into his chair, running his hand through his thick black hair with its telling streaks of grey.All those long, sleepless nights. The terrifying panic attacks that occurred regardless of where he was. Already he could feel all the stress start to drain away. He knew it wasn't over yet and that there was still a way to go, but he could just feel everything start to change for him. He was there, he was on the right path, and he was working to make things right.Travis couldn�t help but think back to when he had first started the business. He had opened a restaurant at age twenty two when he was fresh out of school. It had been successful. Home cooking in his hometown, and he had done very well.But he had gotten bored. His passion didn�t lie with the food industry. He thought long and hard, and then he decided to sell the restaurant. He took six months off, and during that time he decided to create Hall Trucking. And that's exactly what he did. For the second time in his short life he created a company from the ground up. The business had been an instant success.And then the trucks went down, and his success looked to be in flux. He was nearing fifty. He didn�t think he had it in him, to save this company. But he couldn�t give up. Just the thought of shutting down, cutting his losses, laying off his workers - the whole thing made him physically sick some nights. He did not want to quit - both for himself and for his staff members.And now it seemed as though he would not have to - all because of Factoring. Travis opened his eyes, sat forward, turned his computer on. He had things to do. He could be thankful later, for now, it was time to work.

 

"

 

 

 

 

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Factoring Trucking Receivables

 

"

Since the mid 1980s James Truck & Haul have been successfully running their freight business. They've delivered goods for nearly every major industry in the nation and for 20 plus years, business was booming as they've traversed the country in all weather for all clients. During the heady times from 2002 to 2007, James was a top rated accounts receivable mastermind of the trucking industry. Very few customers were behind on their bills, and those customers who were late turned in their overdue payments within an acceptable time frame. Cash was flowing and times were good for all.It was just one year later, in 2008, when the economy in the United States took a sharp decline, and both large and small businesses started to notice the squeeze on their pocketbooks: everyone had suddenly gone silent. Business slowed to a crawl

 

. And worse yet, James had noticed during the early part of 2008 that though the bulk of their clients were always on time with payments, the few late-bloomers there were, had seemingly started to spread this illness. And as spring turmed to summer and summer into the early days of fall, Fred Crawford, CEO of James felt a chill go down his spine whenever he would look at the weekly A/R reports. The numbers of clients who owed him back debt were growing.He had gone to his administrators and asked them what the problem had been. Were they doing something wrong or different when it came to reaching out to delinquent accounts? When checking his bookkeeper's records this was definitely not the case. Perhaps he was losing his customers to his competitor, who seemed to offer very low prices with no guarantee of quality or performance, and these clients who were in debt to his company had possibly disappeared leaving him stranded. Perhaps they were unable to pay their debt to him, but were able to meet the costs of a lesser service. But after doing the cursory research for this and talking to friends in the field, he found that alas, no, customers of James hadn't gone elsewhere. The had just gone!.The situation looked dire to Fred Crawford. He had employees to pay, goods to ship, trucks to maintain and overhead that was almost unbearable when compared against the lack of funds that were coming in. In the evenings he would discuss his concerns with his wife, Kathy, and still find no relief from the worry and frustration.

 

""Lin, I have a really bad feeling,"" he would say with deep woe.""What could you do differently?"" she would say.Fred would stare off for a moment and then close eyes. He could see the fleet of trucks he had purchased over the years. He could see them on the road, delivering good to all his loyal customers. But somewhere, a haze would form over his fleet and the vast number of vehicles would disappear to but a few. What on earth was happening to create the death of his business?""I think I know what it could be,"" said Fred. ""I've relied too long on the profits I receive from invoices alone. I've let too many of our customers go too long without paying on their bills."" Kathy would look at her husband lovingly, and holding his hand would say 'it is such a harsh economy these days and our clients must be having difficulty meeting their responsibilities'.""Fred knew very well that Kathy was only trying to help, but his responsibilities weighed heavily on his shoulders and he knew he had better do something soon to resolve this situation.The following day Fred walked into his office with a spring in his step, determined to call each and every client who owed money to James Truck & Haul. Now, it wasn't the most efficient way to spend a day as a chief executive, what he really needed to be doing was to be overseeing all of the other intricacies of shipment and delivery and reaching out to prospective clients or retraining his sales team to do the same. But, he felt like he was doing something proactive to help his business, even though he had staff on salary to do just that thing. Wasting money, wasting time - even with the best of intentions, Fred knew that he was in trouble.

 

Poor Fred spent the whole morning trying in vain to contact his debtors: they promised to call back, dodged his calls, or made small interest-only payments. He was beginning to feel quite despaired when his secretary knocked on his door.

 

""Can I have a word with you Fred?"" she asked standing in the doorway.

 

""Sure thing Sheila, come on in."" Fred leaned back in his chair and looked expectantly at Sheilaerely.""Well, I did a little searching this afternoon and tried to figure out a way out of this mess Fred."" She opened up a folder she had been carrying and pulled out a small wad of papers, placing them on the desk in front of him.""Have you ever heard of factoring?"" Sheilaerley asked.""It does sound vaguely familiar. What is it?"" he said.""Well,"" she began, ""It�s actually quite simple really.

 

Basically, factoring invoices means that we would get paid immediately for the loads we haul.""Fred interrupted ""Immediately?"".""Immediately, yes"" she added, ""it is actually very simple. We can have an expert account manager review our numbers and help us complete a company profile. That profile will also include investigating our accounts receivable aging reports, our existing customer credit limits and so on. In addition, factoring will assist in determining our customers' creditworthiness, independent from their credit relationship with our company. It�s a broad view.""Fred replied cautiously ""I see - and what happens then?""Well, after their review, and we�re approved for a factoring contract, we can negotiate terms and conditions. There�s a lot of flexibility depending on the business volume and credit histories. This company tells us what the cost will be to purchase factoring for our accounts receivable. We come to an agreement and the funding starts pouring out.�Leaning forward, Fred studied the documents very closely.""It sounds too good to be true, Sheila,"" he said.""Yes, I know; that's exactly what I thought at the beginning. But really, they have guaranteed us experts that do all the legwork, which would free us up here to focus on our clients in good standing and marketing, all that good stuff. And they're flexible Fred,"" she underlined a paragraph on the paper before him.""How flexible?"" asked Fred.""It seems that they personalize their factoring charges so that the amount they're prepared to work with is commensurate with our client's debt and our needs. Apparently they can figure this all out in two to four days.

 

""That sounds pretty good, seeing as we tapped ourselves out with bank loans last year to repair the fleet and money sure is tight. We need to keep business rolling as normal and every day we�re going unpaid, we�re closer to facing some serious problems in both the short and long term,"" Fred said.Fred took in a long slow breath, then looked at his secretary with something like hope in his eyes.""Precisely�. I think this might just be a way out of the trouble we are in with these folks who owe us money.""Fred thought about this and agreed with Sheilaerley. The clients who owed them money were long standing friends and professional resources of James. Fred wasn't prepared to lose these relationships just because they were having financial issues at the moment. Fred knew that the economy had taken a hit and he knew that it would probably be a long time before things started to look up again. That unknown amount of time, if he handled these debtors incorrectly, could spell disaster for both of them. He did not want to lose business but he also did not want to lose any more money.""Well, let me think about this tonight Sheila, thank you."" Sheila nodded, stood up and left the office feeling that she had helped her employer keep on his shirt and hers too.Fred sat behind his desk and looked over the details Sheila had not mentioned in their meeting. He wondered if there might be other problems freight factoring could help James Truck & Haul with? With his pencil gliding down the sheet he noticed that the factoring company could help fray the cost of fuel with fuel discount cards and fuel advances. Fred was surprised: it said that his company could get up to fifty percent cash advances on load pickups. Fred was a typical business man: he despised binding contracts that did not allow room to breathe, so he was pleasantly surprised to see that the factoring company did not require a long term contract, that there was no minimum volume required, and that there were no sign-up fees.""Well, I'll have to tell Dwight about this,"" muttered Fred to himself.Dwight is Fred's son-in-law, and he really admired the ideas behind James, so much so that only two years before he had started his own transportation service business. Fred knew then what struggles Dwight would face but he encouraged him nonetheless. With the faltering economy, if a big fish like James was hurting, a little guy like Dwight was about to catch his death. Perhaps the antidote to these problems was in freight factoring, and they were about to find out.A few months later after going through the entire application process and having the experts review his accounts receivable, credit history and statements, Fred found himself beginning to dig his way out of the hole his delinquent account holders had created for him.They adopted reasonable factoring purchase contracts and stopped wasting their own precious time trying to collect debts. They used that time to refocus their efforts in being competitive in new territories. Fred recalled those dismal months when he wasn't aware of freight factoring, and he shuddered at those memories. He probably wouldn't be in business today had he not learned just in time about freight factoring.

 

"

 

 

 

 

 

 

More Business Owners! Want Quick Curls?-Articles

 

 

Invoice Factoring Companies Reviews at Ogdenphoto.Com

 

 

 

Factoring Trucking Receivables

 

Precisely why Trucking Agencies Use Factoring Firms.

 

As the owner of your own business, you may well be much more than aware already of the challenge in making sure that capital matters do not become a problem down the line. Anyway, the most awful thing that can quite possibly transpire for your firm is to find yourself swept up in a long and problematic condition that leaves you forever trying to find the money you need to have on an recurring manner.

 

For any kind of establishment in this scenario, the dilemma can come for waiting for work to lapse and actually be repaid into your account. Bill of sales, checks, and the like could take some time to actually to be taken care of which may leave you with momentary capital troubles. Luckily, there are solutions out there for industries to delve into-- and among these is factoring companies.

 

Factoring firms will, in substitution for your statements, supply you with the cash immediately so that you do not need to worry about the lingering phase which could make paying out the bills and purchasing toolsmore difficult. With this style of system, invoice factoring can become exceptionally useful for a lot of businesses who need to avoid a cash pitfall which they have gotten themselves in.

 

Due to the fact that, depending on the volume of the work, it can take up to 60 days for several companies to get paid then it is critical to blanket your own back and not leave yourself money short to settle the bills. After all, how many establishments possess two months cash flow just lying there to cover all their overheads until they make money?

 

This is specifically correct of trucking enterprises. They often handle lots of invoices which means a substantial amount of collection time entails business owner themselves. Attempting to get compensated promptly can end up being an unbelievable trouble and this is precisely why you make use of truck factoring organizations who are thrilled to help out truckers exclusively.

 

As we all realize, trucking is an incredibly large market with numerous organizations out there employing hundreds of operators. Sadly, many of these drivers end up in income problems considering that they are still waiting for work from six weeks ago to actually compensate them. When this is the situation for a trucking firm, resorting to factoring firms for aid maybe the ideal option left.

 

This signifies that a truck corporation can provide the wages of the crew, keep all the cars loaded with gas and continue to escalate, flourish and expand without consistently waiting for the money which is taking too long to come in. Trucking Companies working without a factoring program used are leaving themselves at critical threat, as contenders cash out rapidly and proceed to grow.

 

There's absolutely nothing at all to be troubled about when it comes to working with a Factoring company-- they usually are not like a financial institution or an individual who is going to leave you with a massive pile of personal debt to repay. You give them legitimate invoices from work you have already accomplished , you are only facilitating the repayment system.

 

In the United States, where truck agencies flourish, factoring enterprises are not considered borrowing in any capacity. This confidential settlement then allows both parties to benefit and take pleasure in a convenient future-- it provides the factoring agency a guaranteed resource of earnings to put into the list and it furnishes the trucking firm the needed funds that they worked hard to earn.

 

The trucking enterprise presents their invoices to the factoring firm. The trucking factoring company then take the payments from the trucking company's clients. Factoring has been all around for hundreds of years and has been utilized for many years by plenty of varying industries-- but none more so than truckers. While you may lose out on a small part of the money, something like 1-3 % depending upon who you collaborate with, it implies that you are receiving the funds today and can actually begin putting the resources to do work.

 

After all, an IOU or an invoice is not actually going to finance spendings, is it? For trucking enterprises when the hard earned cash can be good one day and gone the next, it is up to the drivers to work smartly and to make sure that they are leaving themselves with a considerable quantity of time and money to get through the week till they are paid for once again.

 

So the next period your trucking company is bearing some short-term cash flow issues and you are putting in excessive time chasing sluggish paying clienteles, why not start looking into employing a factoring companies as a means to get your cash and give yourself a more comfortable future in the eyes of your trucking staff and your bank balance?

 

 

 

 

 

 

 

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Invoice Factoring Companies Reviews at Ogdenphoto.Com

 

 

 

Freight Factoring Reviews

 

"

The Future of a Trucking Company, and Factoring Roberto Fox let the phone ring on his desk. His morning coffee cooled and his cigarette smoked away in the tray: Roberto is thinking, and pondering the biggest decision he's ever had to make for his trucking business. Fox Trucking Company was at a turning point of growth and Roberto had to decide if signing with a factoring company was the right way forward.

 

Roberto�s father had started as an owner-operator and had grown Fox Trucking Company into a fifteen trailer fleet over forty years. There had been some hard times when it seemed everything was going to go under and even Roberto�s mother strapped herself into a cab to make hauls. His father had worked long enough to see the price of hires drop dramatically during the recession and to see the explosion of fuel prices afterwards. But now things were different: the company was in Roberto's hands and he needed to ensure that this business would be left in great shape for his sons.

 

To move Fox Trucking Company ahead into the future, he needed a steady cash flow but there was just not enough money to go around. He had employees to pay. They had families and household bills too. Some of the refrigerated trailers were in need of repairs and he felt to stay competitive it was also a good idea to invest in specialized haulers to be ready for the constant requests he was getting for loads of new energy and agriculture equipment. Every time he had to turn down a request, Fox Trucking looked weak in a very strong market.

 

He knew what his father would have said - 'wait, take your time before adding new technology'. Roberto allowed himself a good hard chuckle. His father had been against placing GPS units in the cabs. His Dad would say ""Why on earth do you need some stranger telling you to get off the exit that everyone knows has been there for years?� He smiled to himself as he remembered his father poking fun at the other drivers who switched to automatic, even though automatic was quite obviously more efficient (though less manly). His father days were long gone and technology was actually an important improvement for the business such as having Qualcomm to cut down on fruitless time communicating on the phone for bills of lading.

 

Roberto knew he was right in his forward thinking. What would be the next step for Fox Trucking? More importantly, how could he afford it? Business funding was tied up in fuel bills and the mortgage for the garage and office. He just finished paying off the small bank loan for installing satellite radio in the trucks for the guys.

 

He wondered about factoring - was this the answer for him? There was a lot he didn�t understand about the process. It sounded like a ninth grade math problem and he wondered how this would fit into the trucking business. Factoring companies buy your invoices and manage your accounts receivable for a certain percentage of the invoiced amount. The factoring company gives the trucking business its payment right away which allows the business to have continuous cash flow so it can pay employees, buy fuel, and make repairs for upcoming hauls. Without this assistance, you're placed in the position of waiting for payment from your customers, and this can often be thirty days, or more. In those 30 days, a trucking company can�t pay its bills and employees in invoices.

 

Now it was time for Roberto to do his homework. Roberto had heard that there were companies that charged for same day money transfers and would only advance a percentage of the money owed to your company while holding the rest in a private account if they didn�t get their bill payment within 60 or so days. Worse still, if the customer defaulted on payment, the factoring company takes it out of the money supposedly coming to you! He'd even heard about some companies putting you onto a sliding percentage scale regardless of any previously signed contracts for possibly 3% or 7%, and there you are now with 10% coming as a charge to you out of the freight bill. His friend Ronnie who had a trucking business in Missouri, was run nearly into the ground by a factoring company that charged him the full freight bill on top of the factoring fees. Well, what was the point of going to a factoring company if there was shady business like that going on?

 

However, it all turned out to be very simple. All the factoring companies he researched were open about their business practices and very friendly on the phone when he called. Their customer service actually knew things about their company and spoke in nice clear English so he could understand what was being explained. He was quite happy to sign an exclusive contract. He liked the idea of a long term commitment so he knew he wouldn�t have to bother going back and forth to different companies and wasting time filing more forms. He was not charged for a credit check, and in addition he was offered a fuel advance on the pick-up of a load. Many companies offered a non-recourse factoring program that suited him just fine. He was more than happy with the figures he was offered in percentage terms on the freight bills. It sounded like a great scheme to him.

 

It was really refreshing dealing with the factoring people. They were more personable than those loan managers at the bank. He was relieved to note that the factoring companies understood the trucking business and discussed business with him like a respected client, not like someone looking for a handout. The factoring companies didn�t worry over his credit and the debt troubles his father had had in the past of the company. All the factoring company was interest in was the credit of his customers and on their reliability: this worked great for Roberto because he and his father had created a very strong and loyal list of clientele over the years. So he knew they would understand when the factoring company contacted them for the invoices. His clients would not have any problems, nor would they think poorly of Fox Trucking, because the factoring companies handle themselves in such a polite and professional manner, similar to the way his father had managed the business in the past.

 

Roberto stepped out of his office to let his secretary know to expect the arrival of the factoring contract shortly. There was a new bounce is his step now: he knew instinctively that this new step would raise the future of his company to a new and higher level, and that all the stress from the past could now be put behind him. He suddenly realized that, with this new cash flow, he could actually expand Fox Trucking Company and who knows, move into Canada, which had always been his dream. He was a happy man again knowing that he had just made a decision which would guarantee the success of his business and his sons would not be inheriting a financial mess.

 

"

 

 

 

 

 

 

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Invoice Factoring Companies Reviews at Ogdenphoto.Com

 

Factoring Invoices Companies

 

Date Published- 2014- 03-18 Freight Factoring Companies California

 

"

Traditional Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. While these loans are handy they are not available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Of course, once that loan has been re-paid, you can always re-apply for another loan.

 

What Are Trucking Factoring Companies?

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. You will not Incur Debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. This has many benefits including the fact, that this type of financing will not affect either your business credit rating or your personal credit rating. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. There's no collateral required. Another great benefit of using the services of a Trucking Factoring company instead of a bank loan is that there is no collateral required for the Trucking Factoring company, because the Trucking Factoring company is buying your accounts receivables. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. Borrowing from a bank begins with vast amounts of paperwork, the loan must be underwritten, and this can take ages before you're notified if the loan has been approved.

 

4.Interest is Paid Up Front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The most important benefits is that once you sell your accounts receivable to the factory company, you do not have to take time away from running your business to collect the money owed from reluctant to pay customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very efficient at debt collecting, and this frees up your valuable time to devote to running your company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"
Invoice Factoring Companies Reviews at Ogdenphoto.Com

 

 

 

 

 

More Freight Factoring Reviews -Articles

 

 

 

"

Traditional Bank Loans

 

Finance through a bank loan is the normal, or traditional, way of financing your business. While these loans are handy they are not available to every business. For example, a fairly newly established business simply may not have the assets to readily get a loan from a bank, even if they do, the standard collateral for a business loan is the business itself, which means that if you cannot make your loan payment, you risk losing your entire business. In addition, while you apply for a certain loan amount, that is all the financing you are entitled to. Of course, once that loan has been re-paid, you can always re-apply for another loan.

 

What Are Trucking Factoring Companies?

 

Trucking Factoring companies do not offer loans, and you do not go into debt when you get money from a Trucking Factoring company. Rather the financing you receive from a Trucking Factoring company is based on money your business has already earned, but have not yet received. The Trucking Factoring company purchases your accounts receivable, or part of them, for a certain percentage of their value - this is normally about 80-95%. The amount of money you can receive is based on the amount of money you have earned and the accounts receivable you are willing to �sell.� Once a Trucking Factoring account has been created for you, it will continue for as long as you need it, with the money available continuing to grow as your business grows, and providing cash as you require it.

 

Benefits of a Trucking Factoring Company Vs. A Bank Loan

 

While not every business can take advantage of Trucking Factoring account financing (you have to have a business that has account receivables) for those that can use this type of financing there are several distinct benefits.

 

1. You will not Incur Debt. Since the Trucking Factoring company actually buys your accounts receivable you do not actually incur debt like you do with a bank loan. This has many benefits including the fact, that this type of financing will not affect either your business credit rating or your personal credit rating. In the event that your business fails, you would not have to be concerned about someone coming after your personal or your business assets in order to pay off a loan. With a bank loan, the debt goes onto your credit report, and even one late payment can adversely affect your businesses credit, and even the ability to get insurance and may even reflect upon your personal credit rating.

 

2. There's no collateral required. Another great benefit of using the services of a Trucking Factoring company instead of a bank loan is that there is no collateral required for the Trucking Factoring company, because the Trucking Factoring company is buying your accounts receivables. Plus, the state of your credit rating is not an issue; however the Trucking Factoring company will run a credit check on your clients whose accounts receivable are being offered for financing. This means that it is easier for new businesses to access the finance they need through a Trucking Factoring company, providing their accounts receivable are in good order. A bank may believe you haven't been in business long enough to be able to cover this risk.

 

3. Receive Your Money Faster. With a Trucking Factoring company you can actually get the money you need faster. The money will normally be in your account within 24 hours, once the Trucking Factoring company is confident that your customers� accounts are likely to be paid. Borrowing from a bank begins with vast amounts of paperwork, the loan must be underwritten, and this can take ages before you're notified if the loan has been approved.

 

4.Interest is Paid Up Front. Unlike a bank loan that continues to build interest that you have to pay the entire time you have your business loan with a Trucking Factoring company, you do not have to continue to pay interest as they take it right off the top, deducting it from the total amount of accounts receivable. So not only are you relieved of those monthly loan payments, but you also do not have to worry about the building up of interest, as every penny in the account is yours to spend on the business.

 

As you can see, there are several benefits that makes considering financing through a Trucking Factoring company over a traditional bank worthwhile. In addition, there are other benefits that a Trucking Factoring company can offer you, outside the scope of a bank. The most important benefits is that once you sell your accounts receivable to the factory company, you do not have to take time away from running your business to collect the money owed from reluctant to pay customers. Since these accounts belong to the Trucking Factoring company, this is now their job. Trucking Factoring companies are very efficient at debt collecting, and this frees up your valuable time to devote to running your company.

 

In addition, since the Trucking Factoring company evaluates the credit quality of your customers prior to purchasing the accounts receivable you gain valuable information into which customers are likely to pay and which ones are not so likely to pay.While a Trucking Factoring company is not the only way for your business to obtain the money it needs to keep growing, it does offer a type of financing well worth considering.

 

"

 

 

 

 

 

 

 

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