Personal loans have a very old history of use in the UK. Banks, even in the yesteryears, would similarly lend money to people for a certain term. The manner in which personal loans are offered may have undergone a vast change because of the incorporation of new technology. However, borrowers' penchant for low interest personal loans sees no decline. What is it in a low interest personal loan that has borrowers transfixed to them?Most...more
Investment Advisors (IAs) come in all different intellectual, professional, and alphabetical varieties. They range in educational qualifications from High School dropout to PhD, and can be professional Accountants, Insurance Salesmen, Stock Brokers, Investment Managers, Dentists, Lawyers, TV personalities, and Gourmet Chefs. Anyone can be an Investment Advisor! It seems reasonable that your trust should gravitate toward those who have educational...more
When my wife was enquiring me about the progress of the homeowner loan that we were planning to take, my six year old said something that put me to deep thought. The subject was the constant refusals by a large number of loan providers because my credit file showed adverse credit history. On this my son remarked that when needs do not cease from emerging because you have adverse credit, why do loan providers refuse loans on the ground.Though this is a childish statement with little or no correlation, it requires active thinking. It is true that only because you are needy, banks cannot lend you. Banks and financial institutions have a lending policy, according to which they have to first confirm that there is not much risk in a particular application.But, can loan providers continue by refusing loans to a group that is growing with leaps and bounds. While a few loan providers have stuck to their age-old lending policies, a large number of loan providers in the UK have changed themselves according to the new environment. A new loan, by the name of adverse credit homeowner loan, has been designed to cater to the needs of the borrowers with adverse credit.Adverse credit homeowner loan...more
Home is where the debt is.Debt reduction is about spending less money so you can pay off your current debts while not accumulating more debt. Car payments, Christmas shopping, and credit cards enable the amassing of debt rather quickly. When bills are coming every day and you don't know where to turn or how to save any more money, look at...more
Heavy gauge thermoforming is as much a staple to the returnable plastic packaging industry as Chevy is to General Motors. It's always been there, not known for its cutting edge design but more because it is solid, durable, and dependable. Thermoforming plastic trays and pallets can also be misunderstood. It remains one of the longest...more
Here is a secret that may be difficult for you to believe, so prepare yourself. It is an extremely important secret that can have a most profound impact on your small business success, or it's failure. Let's start by asking a simple question...Do you enjoy sales? The truth of the matter is that when many small business owners are asked this question, they respond with answers like, "No way" or "I can't stand sales, let someone else do it." Why is your answer to the above question so important? No doubt you have seen headlines like the following, which glorify how easy and simple it is to succeed in business: "The Ultimate Lazy Way To Start Your Own Business" "Cash In On A Multi-Billion Dollar Industry In Your Underwear" "Easily Generate A Lucrative Income While Sleeping" We are constantly being bombarded with these "easy ways" to make a million bucks. Does success in business actually work this way? Not in reality! Is it realistic? Not even close! The bottom line in operating a successful long-term business comes down to your ability to sell your product...period. It doesn't get any simpler than that. You can either sell your own product or resell...more
What I am about to say will make some people stand up and shout "hooray!" It will make others blush with embarrassment. Either way, take this advice and make your life a little bit easier.This is about email etiquette. When you are exchanging emails...more
Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers "permanent forgiveness" for late payments and will no longer assess the...more
What does the phrase "team building" mean to you? Quad-biking? Abseiling? Propping up the bar with your work colleagues? Allow me to disagree.Let's look at the word "build" and see where that leads us. The Concise Oxford English Dictionary...more
Maybe it took the State of The Union address from President Bush to bring the concept of Health Savings Accounts out into the open for all to see. Whatever the case, this is an idea and reality that is long overdue and a great solution to health...more
The interest of lenders in secured homeowner loans is justified. No other loan covers lenders from as much risk involved in the lending process as a secured homeowner loan. But, what explains the surge of interest of borrowers towards secured...more
How can you apply ergonomics to your work life?Thanks to the study of ergonomics, we can now find better ways to work. It has been shown that our bodies can be under stress and tension even when we are sitting at a desk. Applying the techniques...more