Providing Urgent Money û Personal Bridging Loans

Personal bridging loans are the short term loans to meet the personal requirements till you arrange finances. There are times when you need urgent and huge capital for any of reasons. You sell your home or ideal property to meet the same but the sale takes time. You can take a personal bridging loan at that time to get immediate cash and can repay that amount with sale proceeds which you may be getting in near future.

While going for any loan, a borrower is very much concerned about the interest rate at which he has to repay the loan. Like any other short term loan a personal bridging loan also carry a higher interest rate. But not to worry, these loans are interest only loans, which meant that you have to only pay interest till you get the sale proceedings to pay the principle amount.

There are number of things for which you can use the loan amount. These are:

• Debt consolidation

• Buying residential or commercial properties

• Purchasing car or boat or any automobile

• Dream holidays which you desired for a long time

• Investments in business proposals

• Wedding, education and health expense

• Miscellaneous

Personal bridging loans are secured by the property being sold and allow you to borrow up to 70% of its value. In figures, the amount lies around £25000 to £100000. This limit varies from lender to lender. The repayment term is around 6 months and can stretch up to 2 years. Also, you have the option to repay the loan money before the repayment term. But a lender may charge you with certain amount of penalty, generally equaling to two month's interest.

Personal bridging loans depending upon the situation are defined by two terms. When you apply for a personal bridging loan after putting your property on sale it is called a closed end personal bridging loan. Where the property is yet to be sold, the loan will be termed as open end personal bridging loans.

Online application form makes it convenient for the borrowers to apply for the personal bridging loan. Also, it promises to protect your personal details under data protection act 1998. You can fill the form after reading out the terms and condition for the loan. It just takes 3 to 5 working days to get the approval for a personal bridging loan after the first enquiry.

'Monetary support at the right time' is the motto of a personal bridging loan.

Eva Baldwyn aims to inform common men and women of the several issues involved in personal loans and mortgages through her articles. An MSc in Economics & Finance from the Warwick Business School is proof enough of the knowledge that she possesses in the field of finance. To find Bridging loan, Personal bridging loans, Commercial bridging loan, Residential bridging loan, Short term bridging loan visit http://www.easybridgingloansuk.co.uk

[tags]Bridging loan, Personal bridging loan, Commercial bridging loan, Residential bridging loan.[/tags]

Everything You Need To Know About A Secured Loan

If you're not familiar with the term, a secured loan is a loan which requires a security deposit of some kind (also known as collateral) to protect the lender against nonpayment. The secured loan is the preferred type of loan for lenders who deal with people with bad credit, but is also used when purchasing certain types of property (such as an automobile or real estate.) Interest rates tend to be lower with a secured loan than with an unsecured loan (which doesn't require collateral, but charges higher interest rates to cover the additional risk.)

Types of collateral

Just about any property with value can be used as collateral for a secured loan, though some types are more common than others. Jewelry and rare coin collections can be used as collateral for some loans, though they are usually held by the lender to help protect them from theft or loss. Automobiles and real estate are popular forms of collateral, and lenders usually allow you to keep them while you repay the loan… you simply turn over the deed or title and the lender is given a legal claim to the car or house in case you should default on you secured loan (which is a fancy way of saying that you don't pay it back.) Car financing and mortgages are both forms of secured loans, in which the automobile or real estate that you're buying with the loan serves as the collateral for the lender.

How a secured loan works

When you get a secured loan, the lender will either take your collateral or process your collateral so that they have a legal claim to it. You will receive the money for the loan, which is often somewhat less than the value of the collateral… that way if you should default on your secured loan then the lender will still be able to get their money back. When you repay your loan then the lender will either return the property that you submitted as collateral or they will present you with a release… which means that they no longer have any legal claim to the property and you can prove it. Should you default on your loan, however, then after attempting to collect the debt the lender will be free to repossess and sell your collateral in order to get their money back.

Shopping for a secured loan

Before deciding on a secured loan, you should shop around and compare your options. Look for the lender that offers the lowest interest rates and borrow only the minimum amount that you need to get by. After all, the less you borrow with a secured loan then the less you have to pay back… and the lower your chances of losing your collateral.

You may freely reprint this article provided the following author's biography (including the live URL link) remains intact:

About The Author

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

[tags]secured loan, secured loans[/tags]

The Best Kept Secrets To Reducing Your Debt And Becoming Debt-Free

This is a process that cannot be completed in a short amount of time; sometimes it will take years to become debt free. However if you take the time to follow this basic tips it will turn up to be a process that won't affect your daily life.

Taking control over spending

Eliminating debt requires a bit of sacrifice, you need to understand that you have to take control over your spending. The first step would be to reduce inefficient expenditure, avoid buying things you won't need. In fact, don't buy anything other than what is strictly necessary. Tag your needs with labels such as "urgent", "highly necessary", "slightly necessary", "unnecessary", etc. Once you've established and committed to a strict budget you'll be able to save money for leisure but till then avoid careless expenditure.

Budgeting

Design a budget where you will state your income and your spending, don't conceal anything. Don't forget to add any non regular expenses as your overall spending is not only made of everyday expenses. If you prepare it consciously you'll see that you have expenses on a daily basis, weekly, monthly, bimonthly, yearly, twice a year, etc. You must be very careful in the process of making a budget since it will determine how much money you'll be able to destine to eliminating debt.

Debt Settlement Agencies

You can contact a debt settlement agency. This agencies are specialized in providing assistance to those in debt and are known to reduce peoples debt up to 70% in some cases, don't expect such a high reduction however since it is only achieved in special circumstances. But you can expect a consistent reduction on the amount of interests that you pay and sometimes a modification in the length of the outstanding loans. Getting a cut on the principal of loans and credit card debts can sometimes be achieved but is more unlikely. Ironically there are more chances to get a higher reduction when your accumulated debt is out of control and your ability to repay is poorer.

Consolidation Loans

You can also apply for a consolidation loan; these loans are specially designed to be used to pay off any outstanding debt. The overall interest rate will be considerably reduced and so will be the monthly payments. More importantly you'll end up with a single fixed monthly installment that will let you foresee your financial future with some certainty. Bear in mind though, that when this happens, you may be tempted to incur in additional expenses you've been postponing due to the lack of money. Refrain from doing so for you may reenter the vicious circle of debt you've just abandoned, your debt will rise again to higher amounts, you won't be able to consolidate again and all your efforts will be useless.

Kate Ross is a professional consultant with fifteen years in the financial field helping people in the process of securing personal loans, mortgage, refinance or consolidation loans and prevents consumers from falling into financial scams. If you need more financial aid on Debt Relief you can visit her Website and get smart financial tips and more useful articles on the subject.

[tags]becoming debt-free, consolidation loans, debt settlement agency[/tags]

What Is Self Employed Loans - The Answer

Before coming to the answer to the question, we should be aware of the word self- employment. While talking to a friend, we learnt that the person was hesitant working under someone; in fact, he found his self-esteem being self employed. With a vast majority of UK population being self employed, the lenders find a prospective borrower in them. Self employed loans has opened its door to the class once felt risk laden.

The best way to describe self employed loans will be to check their use during emergencies. An emergency for a human being is inevitable. What happens if a self employed borrower is in need of loans to consolidate his debt, home improvement or for personal or business purposes? Self-employed loan is the answer. It has recognized the self employed as a financially visible class. Self employed individuals may include sole proprietor, partner in a partnership, independent contractor or a consultant. These people are beginning to form the higher income groups of the society.

True self employment is considered bad debt; the only reason behind this is the irregularity in the monthly profit. The profit may be higher on one month and could take a heavy dip the next. Therefore, the lenders are wary of the repayment capacity of the borrower. But as earlier said, exception cannot be rules. Self- employed people have found the roots in the finance market and bad debts are unusual. But this has not managed to decrease the interest rate, which naturally comes with bad credits. Nevertheless, self employed loans have still managed to gain popularity.

Self employed loans are both secured as well as unsecured. Secured self employed loans require collateral, which helps in bringing down the interest rate to minimum. The guarantee, of course, plays an important role in an increased loan amount and a long repayment period. This makes the borrower risk free.

Unsecured self employed loans are meant for tenants or non-homeowners. This does not require a collateral. In absence of collateral, the borrower does not automatically guarantee repayment. To negate the risk involved, the interest rates are kept a few points higher and the loan amount smaller. Self employed loans are easily available in the financial market. There are numerous lenders offering loans on various websites. The clever way of negotiating self-employed loans is to compare different lenders and rely on the best. An expert opinion too can be handy.

Christian Phelps is a Masters in Accounting and Financial Management from Lancaster University Management School . He has been working with loan for self employed since his academics got over. To find Self employed secured loan,unsecured self employed loan visit http://www.loanforselfemployed.co.uk.

[tags]Self employed secured loan,unsecured self employed loan,what is self employed loan[/tags]

Divorce, Overwhelming Finances And How Debt Consolidation Helps

The pain of divorce is often accompanied by financial problems. Debt consolidation reduces your monthly payments making your finances easier to handle.

Unfortunately, getting divorced often means the monthly payments and debt load that was handled by two people is now handled by one. And with most debt, if it was incurred during the marriage, any of the two partners can be held responsible for it entirely. That can be an overwhelming financial shock adding to the turmoil. Debt consolidation can provide much needed relief from overwhelming monthly bills. Here are some things you can do to get your finances under control so you can get a fresh start.

1. Negotiate with your creditors. Most people don't realize you can negotiate lower rates on your outstanding debt. Contact your creditors and explain your situation. Don't be shy about it; you have nothing to lose and much to gain. Often, they can lower their rates because they want at least most of their money back instead of you declaring bankruptcy in which case they get nothing.

2. Make a budget. It doesn't have to be complicated or account for every penny. You just need to have a good idea of how much your monthly expenses are compared to your monthly income. That way, you can make good decisions and not get further into debt.

3. Get a debt consolidation loan. You can significantly reduce your monthly payments by consolidating your debts. All of your outstanding debt is bundled into one loan. The monthly payments can be structured to fit your monthly budget so you can get on with your life.

A debt consolidation loan also provides the convenience of dealing with only one lender. This reduces the risk of missing payments or defaulting which will just damage your credit rating. With a single loan, you can consistently make your monthly payments - which will actually improve your credit rating.

With a debt consolidation loan, your monthly payments are fixed so your payments won't change and you don't have to worry about fluctuating interest rates.

Debt consolidation loans can be secured or unsecured. Secured loans require collateral - such as a home equity loan, home equity line of credit or a cash-out mortgage refinancing. These loans usually have the lowest interest rate making them the most affordable. Unsecured loans include personal loans. They do not require collateral but usually have slightly higher interest rates.

Divorce is painful enough without having to deal with the financial fallout that can accompany it. Debt consolidation reduces your monthly debt payments making your finances more manageable. And that can help you move on with your life.

Thomas Erikson is co-founder of Your-Debt-Consolidation-Loan.com which provides debt consolidation information and solutions

[tags]debt consolidation,debt consolidation loan[/tags]

Should You Get A Pay Day Loan

Whether you have good credit, bad credit or no credit, you are still eligible for pay day loans. Pay day loans come in all shapes and sizes. The amount you can borrow for your pay day loans really depends on how much you would like or need, anywhere from three hundred dollars to one thousand dollars. You can borrow pay day loans online through literally hundreds of pay day loans companies, or you can visit a physical location.

You've probably seen plenty of pay day loans stations in your neighborhood, or at least fairly close by. However, as you may be aware, pay day loans can set you back for quite a while once you've approved the pay day loans. Some pay day loans companies require interest on the loan. This owed money, whether in increments like a credit card payment or one lump sum may very well become more of a hassle than not getting pay day loans would have been. If you're unsure if pay day loans will be worth it for you or not, crunch the numbers.

Let's say your regular weekly paycheck, minus taxes, nets you about four hundred dollars even. But you won't get paid until Friday, and you need money now. Should you take out pay day loans in the amount of five hundred dollars? Well, it really depends on the interest you will be charged.

If you are charged 7.8 percent interest, you will actually end up owing the pay day loans company five hundred and thirty nine dollars, not five hundred. And if you can't pay off pay day loans back immediately, it will end up being more than that, because, like credit card companies, you end up paying more money if it takes you longer to pay it. Pay day loans shouldn't be undertaken lightly.

Tim Gorman is a successful webmaster and publisher of Military-Loans-Online.com an online website that offers money saving rates on auto, home, bad credit, pay day loans and other free loan information that you can view in the privacy of your own home.

[tags]pay,day,payday,loans,online,no,fax,faxing,debt,bad,credit,consolidation[/tags]

Personal Loans For Homeowners - One Of The Numerous Rewards For Being A Homeowner

You no longer look at the pictures of homes cause you yourself bought one. Well, you know how you got that, it was a huge investment. Now that you are facing some financial issues and you are thinking of taking a loan to cope with monetary crisis. Taking loans is a growing phenomenon. And this has a lot to do with the changing configuration of the current economic scene. Monetary and fiscal requirement of the people have increased and in turn led to increase in loan borrowing. So, it is not exceptional that you are looking for loans. If you are a homeowner in the pursuit of personal loan, all I can say is "you are fortunate".

Personal loans for homeowners are one of the most universal loan types available. You must have encountered it in its one form or another. It is know by many names like homeowner loans, secured loans, homeowner personal loans, mortgage etc. Personal loans for homeowners are straightforward loans which can be moulded to fit in any circumstances whatsoever.

Personal loans for homeowners exclusively deal with homeowners which mean they are unavailable to tenants. Homeowner personal loans are a great instrument for exploiting the equity in your home, to further your interests in any fashion you desire. Equity is difference between the market value of the home and the total debt against it in the form of mortgage or lien. Lien is the right to take another's property if an obligation is not discharged. Personal loans for homeowners can be highly profitable and can save a lot in terms of your money. In case you are taking personal loans for homeowners you need to look carefully for one erroneous step would land you on alien grounds.

Keep some things in mind while looking for personal loans for homeowners. First sort out why you need homeowner personal loans. Personal loans for homeowners are offered for many reasons like home improvement, wedding, education, debt consolidation, buying a car and cosmetic surgery. The thing worth appreciating about personal loans for homeowners is that the loan lender is not concerned about the purpose the loan is taken for. Thus, homeowner personal loans cater freedom along with many other things.

Personal loans for homeowner allow you to borrow amount from £5,000 to £500,000. The amount you can take is dependent on your income and the equity in your property. Taking money that is more than you require or that is beyond your ability to repay is a serious slipup that should be avoided. Homeowner personal loans allow you to borrow upto 125% of your property. With personal loans for homeowners you might be tempted to borrow more than required. Avoid not fall into this lure for there is nothing worse than an unpaid debt.

Personal loans for homeowners would invite lower interest rate, in fact the lowest in the market. Homeowner personal loans require your property as a security. Under no circumstances forget the fact that you can lose the property under non repayment condition. The terms and condition along with repayment terms are very pliable. The interest rate on homeowner personal loans is dependent on many things like the loan amount, the loan term etc. Start by researching about interest rates. Keeping an eye on the current interest rate trends and key economic indicators will anticipate good chances of finding lower interest rates and saving money.

Personal loans for homeowners are appealing due to the fact that they offer money to even sub prime borrowers. 9% of the mortgages in the last year were sub prime, amounting to 388bn pounds in money. Bad credit with homeowner personal loans is compatible. Bad credit with homeowner personal loans would mean comparative higher interest rates. Loan lenders are eagerly considering homeowner loans applications with bad credit. If you are in the loan race for homeowner personal loans, it would require you to know your credit score. You would be paying more as interest rate if you have bad credit score.

With online application process, you get quotes from various loan lenders to compliment your financial condition and expectation. The options with personal loans for homeowners are stretched along the length and breadth of the loan market. Personal loans for homeowners are easy on interest rates, they conform to your loan expectations and you can protect your repayment in case of adversity by applying for payment protection. Is there more? Yes – you can have personal homeowner loans even if you are sub prime borrower or self employed or unemployed. With personal loans for homeowner, everything is possible. Isn't that promising? All I can say is "if you are a homeowner, you are fortunate."

Amanda Thompson holds a Bachelor's degree in Commerce from CPIT and has completed her master's in Business Administration from IGNOU. She is as cautious about her finances as any person reading this is. She is working as financial consultant for chanceforloans .To find a Personal loans,bad credit loans,Debt consolidation,home equity loans at cheap rates that best suits your needs visit http://www.chanceforloans.co.uk

[tags]Personal loans,bad credit loans,debt consolidation loans[/tags]

FAQ's About Commercial Bridging Loans At A Glance

As we know that commercial needs can't be delayed for too long, you have to get them satisfied as soon as they arise. But it's not possible to have sufficient cash every time with you. Commercial bridging loans are loans to bridge the gap between your commercial financial requirement and availability of funds with you after the sale of your existing property. Still there are certain questions which people need to know about commercial bridging loans these are:

How much you can borrow as a bridging loan?
Commercial bridging loans typically vary from £27,000 to £1 Million, but can go higher depending upon your requirement, collateral offered and lenders policy.

How quick can you have the money?
It generally takes 3 to 4 working days to get the approval and money for a commercial bridging loan. This period is even shorter in certain case depending upon the circumstances.

What are the interest charges on commercial bridging loans?
Commercial bridging loans come at a slightly higher rate of interest as these are short term loans. But as the competition is increasing among loan lenders, you will be able to find a good loan deal with certain amount of effort in searching for commercial bridging loan lenders.

What can the commercial bridging loan amount be used for?
Commercial bridging loan amount can be used for paying off creditors, buying commercial properties, expansion of business, starting new venture, paying salaries, buying raw material etc

Is there any penalty if the borrower wants to repay the loan amount earlier then the agreed term?
Depending upon the policy of the lender, you may be charged with an amount generally equaling to two months interest.

What are the properties which are accepted as collateral under a commercial bridging loan?
A First Legal charge and Second Legal Charge on the property may be provided as security for your commercial bridging loan. Following properties are accepted for such loans:
•Commercial & Semi-Commercial Properties:
•Residential Properties :
•Retail Shops:
•Auction Properties & development Sites:
•Land with planning permission:
•Buy to Let Properties:

What is a second legal charge for your commercial bridging loan?
When the property you are offering as collateral is having an existing mortgage, lenders generally repay that debt after deducting it from the approved loan amount. So you don't have to make the repayment for that loan. This option depends upon the lender policy. This is known as second charge lending.

Does my credit status affect the approval for the commercial bridging loan?:
Commercial bridging loans are like no credit check loans and are available to people with bad credit history or poor credit score including CCJ's and IVA's, defaulters and arrears etc.

Now with all your queries solved you can go for a commercial bridging loan for serving all your business proposals and ideas without any delay.

Eva Baldwyn aims to inform common men and women of the several issues involved in personal loans and mortgages through her articles. An MSc in Economics & Finance from the Warwick Business School is proof enough of the knowledge that she possesses in the field of finance. To find bridging loan, commercial bridging loans, residential bridging loan, personal bridging loan, short term bridging loan in UK visit http://www.easybridgingloansuk.co.uk.

[tags]bridging loan, commercial bridging loans, residential bridging loan, personal bridging loan,[/tags]

Getting A Personal Loan

A Personal Loan, as the name suggests is a loan taken to meet personal financial needs. It can be a marriage in the family, a house renovation, buying jewellery for your wife or paying for your vacation trip. These are the moments you may be looking for some urgent need for money, and which can be met by taking a Personal loan. Usually the procedure of Approval of personal loans is quick and a loan is approved with simple documentation.

Advantages of personal loans are Speedy Approval, flexibility to choose your loan amount ranging from 10000 to 10,00,000, Repayment period from 12 to 48 as per your interest, No need of collateral/security/guarantor. When it comes to Loans in India, we have a number of banks dealing with personal loans, giving attractive interest rates and competitive services. So it is always advisable for anyone to do a Loan Research before actually proceeding with a loan option from a Lender.

Eligibility criteria for taking a personal loan may vary from lender to lender. Still the following is rough information to know whether you are eligible for a Personal Loan.

Minimum age 21
Maximum Age 60
Minimum Monthly Income Rupees 5000 and above

Documents Required

• Proof of Identity (Passport Copy/ Voters ID card/ Driving License).

• Address Proof (Ration card Telephone/electricity Bill/ Rental agreement / Passport copy/Trade license /Est./Sales Tax certificate)

• Bank Statements(latest 6 months bank statement /passbook

• Latest salary slip or current dated salary certificate with latest Form 16

For Self Employed Persons and Professional ( Doctors / Lawyers / Engineers / Architects ), except for the salary statements above, other documents such as tax return documents, Balance Sheet / Profit Loss Statement of the firm he owns may be required.

Other than the normal interest on the loan, you may be charged a one time processing fee also for your Personal loan.

For more information on different types of loans available in India, please visit http://www.loanz.co.in

[tags]Personal loan India, documents required, eligibility[/tags]

Your Own Financial Supporter - Secured Personal Loans

Secured personal loans are the loans secured by the collateral to fulfill your financial requirements for your personal needs. The collateral covers up for the risk of the lender for the loan amount. This allows the lender to offer you the low interest rates and terms and condition according to your circumstances. Secured personal loan lenders follow a flexible approach towards the borrowers and are ready to alter the terms and conditions if borrowers are facing trouble in repayments.

There is disbelief among borrowers that offering collateral means you are no more the owner of the collateral till the loan is repaid. The truth is that when you sign the agreement with the lender for secured personal loans, only the title of the collateral is transferred to the lender and possession is still with the lender. The lender can only take the possession of the collateral when the borrower makes defaults or is unable to repay the loan.

Along with the benefit of low interest rate, a secured loan allows you to choose between any of the two methods on which you will be paying the interest. These are fixed and variable interest payments. Under a fixed interest payment, the borrower makes the payment for all the installments at the same rate. On the other hand, if you go for a variable interest rate, then your rate will be dependent on fluctuations of interest rate in the market. It can be low, it can be high.

Secured personal loans are multi purpose loans. There usage is totally based on your requirement. You don't have to mention the purpose of the loan to the lender, once you get the money its all yours. Debt consolidation of your existing debts, holidays, wedding, education, health or any other expense, purchase of commercial or residential properties or business financing, home improvement etc.

A secured personal loan serves you with the loan amount ranging from £5000 to £75000. Getting such amounts are easy but to make their repayments affordable, you should consider your repayment capacity before applying. The term for repayment varies between 5 to 30 years depending upon the amount borrowed.

To get your personal needs financed with a secured personal loan, you need to do certain amount of research in the loan market. Although, loan market is flooded with the secured personal loan lenders, finding the best among the rest still involves efforts from your side. This will save lot of your money with better rates and easier terms. You can get all the information and free loan quotes for a secured personal loan through the online option where there are dozens of websites to serve you with ease.

Amanda Thompson holds a Bachelor's degree in Commerce from CPIT and has completed her master's in Business Administration from IGNOU. She is working as financial consultant for chanceforloans . To find a New business loans, Personal loans, Tenant loans, Secured personal loans, Bad credit Personal loans UK at cheap rates that best suits your needs visit http://www.chanceforloans.co.uk

[tags]New business loans, Personal loans, Tenant loans, Secured Personal loans, Bad credit Personal loans[/tags]

Nothing Can Be Better Than Secured Loans In Respect Of Low Rate And Flexible Terms

You take out a loan to fulfil your needs not to pile up a heap of debt against your name. In order to avoid accruing huge debts you have to make it sure that the loan you are taking comes with low rate and flexible terms and conditions. To avail a loan that offers all these benefits you have to go for secured loans. Secured loans are minimal risk loan from the lender's side as these loans are backed by collateral. So, he does not bother to offer these loans at low rate and with flexible terms and conditions.

Secured loans in UK are not accessible to all as they are supported by the home of the borrower. Only those homeowners who have sufficient amount of equity in their home can take secured loans. This attachment of the security in the form of the borrower's home minimises the risk of the lender to a greater degree. Thus the lender rises above risk and offers the loan with terms in favour of the borrower.

Among the flexible terms of secured loans are included low rate and long repayment period. Both low rate and extended loan period contributes to keep the monthly repayment instalments small. So it becomes easy to make the repayments regularly without fail. This, in turn, helps to pay off the loan and avoid piling up debts.

In spite of all these benefits secured loans are not recommendable to all. It is true that secured loans are not risky for lenders but not risk free from the borrower's front. In the event of failure the borrower have to lose his home that he offers as security. Therefore, if you are not sure of your financial future than it is better not to go for secured loans. However, if you are confident of your repayment ability than there can be nothing better than secured loans.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Loans-Park as a finance specialist.For more information about loans visit us at http://www.loans-park.co.uk

[tags]secured loans articles, loans articles, finance articles, secured debt consolidation loans articles[/tags]

Benefits Of A Secured Loan

The secured loan is favoured by many UK residents seeking credit for a number of reasons:

- A secured loan is far easier to obtain than unsecured loans. The added security that this type of loan gives the lender means that even those with a less than perfect credit history can get hold of a secured loan with relative ease.

- A secured loan is often offered with more favourable terms than other types of loans. With secured loans it is also far more likely that you will be able to borrow a larger amount of money and pay it back over a longer period of time.

- A secured loan can help you to free up equity that would otherwise remain dormant in your property, letting you make use of capital that would otherwise remain unobtainable.

- The interest rates on secured loans are often considerably lower than those offered on unsecured loans.

- A secured loan will enable you to get your hands on money that would otherwise take a long time to save up, allowing you the freedom to spend it on whatever you want.

- A secured loan can be used for any purpose such as; paying off debts, making home improvements, buying a new car, luxury holiday or anything you choose!

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

[tags]secured loan, secured loans, benefits of secured loans, benefits of secured loan[/tags]

When The Payday Loan Is Denied

Most people who submit requests or applications for payday loans are approved during the day and they receive the amounts they loaned during the next day. This is because lenders demand only the minimum requirements. There are, however, few instances when the loan application is denied. Here are ten reasons why a person's loan application is not approved.

1. The potential borrower is not holding a job. The payday loan is a loan against the wage that an employed person receives. Without employment there is no payday and no capacity to pay the loan.

2. The potential borrower has filed for bankruptcy during the year. While lenders do not check a person's credit history, they are concerned about the person's capacity to meet his financial obligations. A bankruptcy is a declaration that the person can no longer support himself financially. And one year is not sufficient time to recover from such financial mess.

3. The potential borrower has been employed for less than the required number of months. Most payday lenders require a client to be holding his current job for at least six months. If a person has been employed only for five months and he needs a payday loan, he must search for a lender who will likely accept his present employment situation. There are a few lenders who require a client to be employed only for at least three months.

4. The checking account of the potential lender is relatively new. Payday lenders prefer clients who are fairly stable and a good indication of this financial stability is a checking account which is at least three months old.

5. The monthly net income of the potential borrower is less than the required income. The required income is usually $1,000. If a person receives less than this, the lenders will assume that he will not be able to pay any amount that he will loan.

6. The potential borrower has a considerable number of overdraft fees and/or NSF in his checking account. Such will alarm the lenders because the NSF and overdraft fees indicate that the person is not a dependable borrower.

7. The potential borrower has unpaid payday loans or returned checks. Similar to the previous situation, these outstanding loans will urge lenders to deny the application.

8. The identity of the potential borrower cannot be confirmed. This often happens when the borrower uses a false name or provides inaccurate information. This also happens when the contact information provided by the person cannot be used. Obviously, the lenders will not release funds to an unknown entity.

9. The payday lender cannot easily or directly establish the bank account information provided by the potential borrower. The lender tends to assume that the bank account no longer exists or is not valid.

10. And lastly, the potential borrower receives his wage once a month. Payday loans are short-term loans and the loan period is usually within 18 days. Employees who are paid monthly do not satisfy this requirement.

If a person's loan request is denied but not due to any of the ten reasons above, he should contact the payday lender and ask for details.

Grace Palce is writing short term loan and cash advance articles for the same day payday loan site and faxless payday loan articles for her other site. Besides maintaining her own sites she has also guest-written several articles for the Credit Repair Guy's site.

[tags]Cash Advance, Payday Loan, Faxless, No Fax[/tags]

Secured Wedding Loans Worth Your Property, Make Your Wedding A Wonder

Wedding is a special event in everyone's life. We all try to make this special event wonderful. Tying nuptial knots in a magnificent marriage ceremony – is everyone's dream. But without financial funds, its like building castle in the sky, as it's an expensive matter. Now, it's a time to worth your property and makes your wedding a wonder. With secured wedding loans, you can turn your dream a reality.

Generally, secured wedding loans are given against collateral. If you have a property such as home, car or even savings account, you can use it as collateral to get secured wedding loans. With secured wedding loans, you can borrow money ranging from £5000 to £25000. But, if your loan amount exceeds this range, then lenders will evaluate the property you are using as collateral. A higher value of the property may ensure greater amount of loan.

Secured wedding loans are adorned with a number of benefits. Such as, Easy repayment schedule, lower interest rate and quick availability. As urgency is involved in it, lenders approve secured wedding loans quickly. Besides, loan companies have various finance plans to pay for expensive things like reception, hotel, honeymoon, wedding photography, wedding cars. There are also several loan products for parents of brides and bridegrooms, who want to finance the wedding of their children. Even, if you have bad credit history, still you can get the benefits of secured wedding loans. A loan offer would be made to you depending on your credit circumstances by the lenders.

But, before applying for secured wedding loans, some efforts are necessitated. At first, you will have to estimate your financial requirements. Since you are using your property as collateral, you need to be conscious about your financial condition as well. If you fail to repay, it will endanger your property.

Next comes to the choice of lenders. Apart from traditional lenders, like bank, financial organizations, you can opt for online secured wedding loans. It is rather easy to find secured wedding loans online with great interest rates. As a simplest process, for online secured wedding loans, you need to fill up only an application and the lenders will contact you with the deals they find appropriate for you. At last, needless to say, comparing loan rates will help you finding the best secured wedding loans. With secured wedding loans, you will be able to make your wedding a smooth sailing occasion. These loans are approved very easily. Hence, its popularity is increasing day by day.

Andrew baker has done his masters in finance from CPIT. He is engaged in providing free, professional, and independent advice to the residents of the UK. He works for the Secured loan web site loans fiesta for any type of loans in uk, debt consolidation loans, Secured wedding loans, secured loans please visit http://www.loansfiesta.co.uk

[tags]Secured wedding loans, Loans UK, Secured loans, Unsecured loans[/tags]

No Fax Payday Loans - Should You Avoid Payday Loans

Payday loans make it easy for you to acquire quick same-day cash during an emergency. Although some people are ashamed to apply for a cash advance, these loans are becoming popular among people of all economic classes. Payday loans are popular because they are easier to acquire than personal loans. Moreover, funds are deposited into your account within hours.

How to Qualify for a Payday Cash Advance Loan?

The qualifications for a payday cash advance are very easy. If you have ever applied for a bank loan, you likely endured a long process. With bank loans, applicants must provide various documents pertaining to income, employment, credit, etc. Furthermore, applicants must give the lender property, such as a vehicle title, to secure the loan. If you default on the loan, the lender claims your property until funds are repaid.

Payday loans do not require large amounts of documentations. Moreover, there are no credit checks. Once you submit your online application, the lender quickly confirms your stated information. Upon approval, the funds are deposited into your checking account.

Paperless Emergency Cash Loans

No faxing payday loans are becoming increasingly popular. These payday loan companies are perfect for those who need cash within a few hours. Ordinarily, payday loan companies will ask you to fax information that shows proof of income and employment. This may include a recent pay stub. Faxless companies do not require unnecessary document faxing.

Should You Get an Instant Cash Advance?

Payday loans are safe and beneficial. However, you must avoid lenders that charge excessive fees, and you must be willing to repay the loan within the stated time frame. The lending fee for cash advances vary according to state. On average, you can expect to pay about $20 for every 100 borrowed. Before applying for a loan, read the application and locate information about fees and interest. By law, lenders must include this information on applications.

To avoid extra payday loan fees, try and repay the loan within the next two weeks. If you extend the loan, or refuse to pay, the loan will gain interest. Moreover, if you do not arrange an extension with the lender, you will be responsible for late fees. If you are considering a payday loan, evaluate your finances. If repaying the loan poses a challenge, do not accept a cash advance.

See my recommended No Fax Payday Loan companies online.

Carrie Reeder is the owner of ABC Loan Guide.

[tags]cash advance, payday loan[/tags]

H&R Block Asks For End To Pay Stub Loans

H&R Block has asked two competitors to stop making pay stub loans.

In a quarterly conference call with analysts on Wednesday, Chief Executive Mark Ernst asked his top two competitors, Jackson Hewitt Tax Service Inc. and Liberty Tax Service, to stop selling unsecured cash payment made before the filing of an income tax return.

"The economics of the product have more in common with payday lending than refund lending," Ernst said, referring to loans often criticized for spiraling levels of interest.

"While there is no question that there's a need for unsecured credit, the association of these high-cost pay-stup loans with tax preparation generally is not good for consumers and clearly takes the professional tax services industry into a direction that we should all wish to avoid."

Ernst estimates that the competition's use of pay-stub loans contributed to the loss of 250,000 H&R Block clients in January alone.

John Hewitt of Liberty Tax Services, said that he "detests" pay-stub loans but sold them as a trial after seeing how many customers he was losing to Jackson Hewitt. Jackson Hewitt reports that itt sold 1.3 million pay-stub loans under the name "Money Now" during the first quarter of 2006. Revenues for that period increased by 25%.

"It's an inferior product and costs more," Hewitt said. "I fully believe Jackson Hewitt saw an additional 250,000 to 300,000 returns."

Pay stub loans are different from refund-anticipation loans based on timing.

Refund-anticipation loans occur after the client files his taxes. The borrower will pay fees on the loan.

Pay stub loans are sold before the client receives a W-2. The tax preparer uses the client's final pay stub of the year to estimate the refund. The loan is made on this estimation.

If figures change, the taxpayer may not get a refund, leaving him or her unable to pay back the pay-stub loan.

Ernst appears ready to counteract the new loans offered by competitors.

"I would tell you that we will not stand by and lose ground to competitors who choose to go down this path," he said. "We feel we have ways to respond that hold with our values."

Martin Lukac represents http://www.RateEmpire.com and http://www.1AmericanFinancial.com, a finance web-company specializing in real estate and mortgage rates. We specialize in daily updates, mortgage news, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies!

[tags]article submission, articles, writers, writing, publishing, ezine, email marketing, email newsletter, email[/tags]

Cash Payday Advances - Today's Answer To A Cash Shortage

Sometimes life gets in the way and when it does you can find yourself steeped in a cash shortage. If you do there is an answer, it's in the form of cash payday advances.

There was a time when cash payday advances were difficult to obtain. You had to go to a "cash payday store" and fill out a lot of paperwork and then you had to write a post dated check for your following payday so the store could cash it. These days the process is much easier. Now you can do it online.

The requirements for a cash payday advance online are that you have an active checking or savings account and direct deposit. Direct deposit is a process that your employer follows in order to place your paychecks directly into your account. This is an easy way to make sure that your paychecks get into the bank. It is safer than having the checks mailed.

Once your application has been approved the cash payday advance lender deposits the funds into your account and the money is available for you to use immediately. The lender will take the funds out of your account plus a small fee on your next payday. The fees are set up as a part of the repayment of the loan. This is a great way to get a loan because you don't have to worry about continuous interest fees.

Another reason people enjoy using online cash payday advances is because it is private. No one knows you are getting a payday loan except you, your computer and the guy on the other end of the internet, so to speak. Many times people who need immediate cash assistance are embarrassed to go into an actual payday loan store, so being able to obtain a cash payday advance online saves them the feeling of embarrassment all the while allowing them to get the loan they require.

Cash payday advance companies are now making it easier to apply for and get a cash payday advance online. The application is completed online and there is no more paperwork to fax or e-mail and most people will get the money deposited into their account within twenty-four hours of approval. Cash advances are a great way to get over that temporary rough spot once in a while.

Connie Barker is the owner and operator of several financial websites including Cash Payday Advances.

[tags]payday loans[/tags]

Filling Out The Loan Application

1. Property information. The application begins with a section on the property. Questions as to the type of loan sought, the terms of the loan, location and legal description of the property, the property's value, and the manner of taking title must be completed. This information is used to determine how much security for the loan will be provided.

2. Borrower information. The next section of the application request a borrower's name, address, telephone number, Social Security number, marital status, and employer. This information helps the lender to determine both the borrower's ability and willingness to repay the loan.

3. Dependence. The lender will want to know hundred dependence the borrower must support. Although children help stabilize a borrower, they also add the financial publication of the borrower.

4.Implement information. The next section of the form asks for the borrower's implement information and how to contact the borrower's employer to confirm the information given.

5. Income. The section regarding income provides space for primary implement income, over time, bonuses, commissions, dividends and interest, net rental income, and information regarding income from any other sources.

6. Monthly housing expense. The monthly housing expense is made up of such items as rent, principal and interest payments, any secondary financing payments, hazard insurance premiums, real estate taxes, mortgage insurance premiums, and homeowners association dues.

7. Assets and liabilities. In this section the borrower is required to list all assets and liabilities. Assets include cash deposit, check in saving accounts, stocks and bonds, life insurance policies, owned real estate, retirement funds, automobiles, and other personal property. Liabilities include any installment debts, automobile loans, released a loans, alimony, child support payments.

8. If this is a purchase transaction, the next section will be filled out. The buyer is to fill in the purchase price, closing costs, prepaid escrow expenses, mortgage amount, any secondary financing, an equity, amount of cash deposit, closing costs to be paid by the seller, and an estimate of cash amount that the borrower will be required to pay at the close of the transaction. In this section a loan officer can help. It may be left blank until the final closing date.

9. Declarations. In this section the buyers are required to note is that have been any legal judgments against them, if they have had a foreclosure within past seven years, if they declare bankruptcy within the past seven years, and in their party to any lawsuits. The answer to these questions will be of extreme interest in the lender. Obviously, and affirmative answer to any one of them could possibly affect the ability of the borrower to obtain a loan.

10.Borrower's signature and information from government monitoring purposes. Finally, there's a space for the buyer to date and sign the application. Below this space is a section that asks for the race and national origin of the borrower. This information is entirely voluntary on the part of the borrower and its so collected to carry out the federal government's antidiscrimination laws.

Martin Lukac, represents http://www.RateEmpire.com, a finance web-company specializing in real estate/mortgage market. We specialize in daily updates, rate predictions, mortgage rates and more. Find low home loan mortgage interest rates from hundreds of mortgage companies! Visit http://www.RateEmpire.com today

[tags]loan application,loans,loan tips,online loan[/tags]

Personal Loan To Consolidate Bills

Using a personal loan to consolidate your bills and credit cards can be an effective way to securing a better financial future. We all have bills, they are a common fact of life today. The difference is in the way we handle those debts.

There are two types of debt, one type is personal spending this type of debt is bad. This would include things like clothes and jewelry that are bought on credit. This type of debt needs to be held to a strict minimum. There should be precious few reasons why anyone should need to use credit to purchase these items.

The other type of debt is what I call good debt. This debt is for things that are necessary such as a home and a vehicle to get you to work. This category also includes debt that accumulated for reasons that will bring in an income such as purchasing a rental property.

When accumulating debt, you should always have a plan to consolidate that debt at some point. Some people use a home equity loan to consolidate and this is a good choice. There are extra benefits that come with using your equity too.

For others this may not be an option, this is where a personal loan may need to be used. Researching options for consolidating debt with a personal loan should conducted carefully. You need to consider if the personal loan terms are really better than you have in your current situation. Generally you should not be looking at longer terms than what your current loans have. You should never consider a higher interest rate.

Sometimes people make the mistake of borrowing more money than is needed to consolidate their current loans. This is a common ploy of lenders to attract you as a customer. This is a hard temptation to turn down, but in the end you will be much better off... Continue

[tags]Personal Loan to Consolidate Bills[/tags]

The Rope Is Too Short!

There is a story of a man sold loops of rope in the marketplace. He would tie two ends of rope together and sell them. Unfortunately he wanted to increase profits so he cut all of his ropes in half. So he had twice as many ropes! But instead of making he lost money because he couldn't make ends meet.

That's a funny story, but it's surprising to hear how many people can't make ends meet anymore. Inflation is on the rise, so the cost of living is going up. Wages seem to be frozen in time and the available money to put away for the future is quickly disappearing since expenses are on the rise.

Since our income is no longer keeping up with our expenses, what options do we have? It's a difficult choice to make, and many people are avoiding a credit card to help them budget, but it's becoming harder and harder to avoid! We live in a world that expects us to use credit cards and as the Internet gives us many purchasing opportunities, we often only have the credit card as an option!

But when credit card bills begin to mount, what choices do you have to help you take care of those bills? After all, credit card interest rate is one of the highest around! People find that they can pay half again as much as their original purchase simply in interest if they do not pay it off right away.

When considered as part of your overall financial portfolio, a UK credit card consolidation loan is an excellent option. This is because it pulls together your payments and lowers your interest rate to a rate that is easier to swallow! And, instead of getting a half dozen credit card bills through the month, you'll be able to get one bill with a fixed amount owing, and that will really help you budget accurately.

So now the next step is: what kind of loan to get? There are two kinds of loans: Secured and unsecured loans. Secured loans let you use assets you have as a guarantee against the loan while unsecured loans simply use your credit rating to help you.

Secured loans may be the better choice because they allow you to get more money at a better interest rate and for a longer period of time because you are providing a guarantee to the lending institution that if you are unable to make the payments, there is another form of payment they can get through the seizure of your assets.

So if you find that credit card bills have gotten out of hand, you should consider getting a UK credit card consolidation loan. Your payments will be lower, your interest will be lower, and the fixed amount each month will help you budget accordingly.

Jeff Lakie is the owner of http://rv-loan.co.uk providing Uk homeowners with a free loan quote service. Visit us today for a free no obligation quote.

[tags]loans, uk finance[/tags]

Beat Money Shortage, Get Startup Loan To Set Up New Business

While you are all set to start your own enterprise, the only factor that stops you from taking the first step is the lack of adequate capital. The scarcity of fund is what prevents you from starting up a business. For all business start ups, money lenders have the solution. You will now be able get easy finance with business startup loans which will provide loans to fulfill your initial capital requirements while starting up a business.

There are various options from where you can borrow business startup loans. The fastest and the easiest mode is the online startup business loan which can provide you with loan at the best cost with least trouble. Now you need not go to lenders and meet them personally. All you have to do is to fill a form online and your loan money will be in your hands in the minimum time.

While filling the application form, you will be first of all required to submit a business proposal which will include all the details about how much fund is required, their purposes, the future prospects of your business and the plans and strategies to make your business feasible.

The amount you can borrow through small business loan will depend on the lender you decide and also from your credit rating. Usually, these loan providers offer you loan for any amount ranging from $10,000 to $500,000.

Small business startup loans are offered for 1 to 25 years. The loans are available in two forms- secured and unsecured small business startup loans. To borrow a secured business loan, you have to put collateral as a security against the loan. While in an unsecured loan, you are not required to put any security against the loan and thus carry a bit higher rate of interest than that of a secured loan.

Lenders providing small business startup loans generally give loan on the basis of your credit history and your business plan. If you have a good business plan, that will increase the chances of getting a good loan amount. But if you have a bad credit, that doesn't mean you won't get a satisfying amount of money. There are various lenders who provide business startup loans to persons having bad credit. Just research a bit on the internet and you will come across the lender that will suit your present financial circumstances.

Business startup loans will help you take the first step towards starting your business. It will remove all your financial worries and offer you with funds to fulfill your requirements and prosper your new business.

Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University. He is currently working with bad debt business loans as a financial advisor. To find Bad debt new business loans, Business startup loans, New business loans, Bad debt business loans in UK that best suit your needs visit http://www.baddebtbusinessloans.co.uk

[tags]Bad debt new business loans, Business startup loans, New business loans, Bad debt business loans[/tags]

Home Buyer's Hidden Costs

Home buyer's who purchase a home without a real estate agent (or sometimes purchase through an inexperienced agent) can find out too late they don't have enough money to close and move.

Top 10 Costs Home Buyers Miss:

1.) Property Taxes and Assessments

Home buyers often need to set up an escrow account with the new mortgage lender. This means that they must pay a portion of taxes upfront. In some states, the seller has already paid the local taxes and this amount must be paid back to the seller at closing. Also, some counties have transfer taxes whenever a property changes hands.

2.) Insurance

Fire insurance or a homeowner's insurance policy usually needs to be paid for up front. Although you may be able to get an insurance binder from your company on a payment plan, most mortgage companies require the first year paid during escrow or closing.

3.) Appraisal Fees

Mortgage lenders require appraisals to make sure your property covers your loan amount plus their investment risk. The buyer normally pays between $150-$450 to the appraiser.

4.) Survey Fees

Some lenders require a property survey. You may also want a survey if the property lines are in question. Survey fees vary from $600-$2,500, or more for large parcels.

5.) Septic System Certification

If your new property does not connect to public sewers, you may need a septic clearance for your lender. Often the home seller pays this cost, but you want to make sure you get no hidden charges or surprises.

6.) Water Quality Certification

The same holds true for properties with a well and not public water service. For your own piece of mind, you will want to check the water quality and have this clause as a condition in your purchase contract. Not only do you want to make sure the water quality passes, you want to make sure the well has plenty of flow so you don't run out of water.

7.) Miscellaneous Origination and Loan Fees

Your mortgage lender adds fees for processing your loan, document preparation, underwriting, closing, funding, and sometimes "garbage fees." Check your estimated costs statements and look for hidden fees. Before committing to a lender, shop for your best loan and compare lender's costs.

8.) Association and Maintenance Fees

Most buyers understand that a condo comes with association fees. However, some housing developments also charge maintenance fees. Don't assume that the fees will be nominal. Many condos in California have association fees over $400 per month. Some of these fees need to be paid annually, which means a home buyer needs to pay upfront.

9.) Utility Service Fees

Check your hook up and installation fees for water, gas, electricity, cable or satellite TV, phone, trash, sewer and other services. Sometimes the water department covers the sewer and trash service. These fees quickly add up and you don't want any surprises like a $340 water deposit required by some companies.

10.) Moving Costs

Plan your move before committing to a purchase. Know whether you can move yourself or need to hire professional movers. You may be shocked to find out the costs involved. Ask for referrals of clients and check out moving companies. Prices for truck rental and moving companies vary.

Make sure you have all your purchase and moving costs covered before you make an offer to purchase a home. You don't want to find out when it's too late that you need more money.

Copyright © 2005 Jeanette J. Fisher. All rights reserved. (You may publish this article in its entirety with the following author's information with live links only.)

Jeanette Fisher teaches first-time home buyers and beginning real estate investors the six steps to home financing. Free ebook, Credit Tips for Mortgage Financing. http://www.recredithelp.com

[tags]Home Buyer's Costs,moving costs,loan fees[/tags]

Get Needful Money Instantly Through Same Day Cash Loan

For a smaller amount you do not opt for slandered loans that may require your property as collateral because you need to borrow larger amount for repayment period extending many years. Often salaried people require money by the time the month has progressed a bit. Same day cash loan meets your entire requirement of smaller loan that you can repay through your next paycheque.

Usually same day cash loan is preferred for meeting routine expenses like paying for medical or other bills. Taking the loan is very simple process. Often the lender wants to secure the loan through taking a post dated cheque containing loaned amount and lender's fee from the borrower. This secures the loan well as at the time the borrower gets his salary in the bank account; lender deposits the cheque and gets back his loaned amount. This is one reason why same day cash loan is easily available to bad credit people. Their bad credit does not at all come in the way of taking the loan.

A quick loan approval is the main attraction of same day cash loan. If the lender is fully satisfied with the information he has provided about him, the loan is approved instantly and the borrowed amount comes in the borrower's bank account within 24 hours.

All a lender needs to conform is that the loan seeker is employed for considerable period and draws a good monthly income so that repayment capacity can be looked into. The borrower however has to pay a higher interest rate on same day cash loan. Then, there is high fee of the lenders also that the borrower has to pay. So make sure that you have enough money in the account at the repayment time to escape from go on paying higher interest rate and fee. Usually the loan is offered for a repayment period of one or two weeks till the next paycheque. One can avail £100 to £1000 under same day cash loan. Also the borrower only pays interest during the repayment period.

Better search for the lender on internet and compare loan packages of lenders. Settle for the lender having suitable interest rate and fee. Apply online as it enables in fast processing of the loan application.

Same day cash loan provides much required money for daily use within hours. Pay off the loan in time to avoid further higher interest fee payment to the lender.

Olivia Maaret loans have recently began to play a strong part in deciding the financial future of general population. Olivia maaret can help you find the best loan at best interest rates. To find Cash advance loan, same day cash loan, Short term cash loan,fast cash loan visit http://www.cash-loans-online.co.uk

[tags]Cash advance loan, same day cash loan, Online payday cash loan[/tags]

Is Non-Homeowner Debt Consolidation Possible

As stated above, there are different ways of consolidating debt and even without the aid of a consolidation loan, a debt reduction of up to 60% is easy achievable. There are professional negotiators that can agree with your creditors new repayment programs along with reductions on the interest rate you pay for your outstanding debt and sometimes even a cut on your debt's principal.

Debt Consolidation Agencies

Before contacting a debt consolidation agency you need to be aware of what they are capable of doing and compare that with your financial needs. Using the services of a debt consolidation agency is a decision to be taken as last resort. Once the fact that you've got into a debt consolidation program is reported, your credit history will reflect this and your ability to get finance will be considerably diminished.

However, if your current bills, loan installments, unpaid credit card balances and all other debt have become an unbearable burden, then a debt consolidation program might be your only chance to avoid other more extreme measures like bankruptcy.

A debt consolidation agent will be assigned to your case. He will gather all the information available about your credit, your outstanding debt, your income, your assets, etc. and with that information he will design a plan. He will contact your creditors and negotiate with them. Since your creditors want to get paid, they'll agree more flexible conditions and they will resign to charge high interests on your debt. They know now that if a consolidation agent is taking care of your debt chances are that if they don't cooperate, they might get nothing.

There are mainly two different options after negotiation. You may obtain new repayment schedules with lower rates and lower monthly payments you'll be able to afford or sometimes the agent agrees with the creditors a reduction on the whole amount of debt in exchange of immediate cancellation of their bills, balances and loans. If the agent takes this second path, he probably has arranged for you to get approved for a consolidation loan. The money obtained will be used to repay the new negotiated debt and you'll end up with a single monthly payment: The loan installments.

Consolidation Loans

With the aid of a debt consolidation agency, it is much easier to get a consolidation loan in order to cancel your debt. The lender knows for sure that the money will be used to repay and cancel all your debt. Probably, the agency will arrange for the money to be directly transferred to the creditors. The lender will then be your only creditor which lets him in a privileged position when it comes to recovering his money if he has to take legal action in order to do so. And that is the main reason why with the help of a consolidation agent non-homeowners can get approved for debt consolidation loans too.

Sarah Dinkins is an Expert Loan Consultant in the financial industry who helps people to repair their credit situation and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products. In her website http://www.badcreditfinancialexperts.com she writes useful articles for people looking for professional advice in the finance field.

[tags]non-homeowner debt consolidation, approval for a loan, loan approval, debt consolidation agencies[/tags]

Payday Loans - Approval Guaranteed

If you have ever responded to an ad like this, you may have been ripped off at a much higher rate than you can imagine. Payday lenders are common sources of loans for unsuspecting individuals and families from low-income homes.

Most people that use payday loans are desperate for fast cash. Sometimes it is to fix a car or paying an overdue utility bill. The real tragedy is when a medical bill is paid from a payday loan.

For an upfront fee, you can borrow a couple hundred dollars for two weeks. A $40 fee may not sound like much, but every 2 weeks, it can really add up. In fact payday loans frequently have interest rates exceeding 400% APR. Loan sharks actually offer lower rates.

The predatory nature of these loans has not gone unnoticed. Georgia, North Carolina and Pennsylvania took steps in 2005 and 2006 to kick out payday lenders. Many states in the northeast also ban high-interest payday loans. However, nearly all of central and western states allow these predatory loan products.

If you need a payday loan, try going to your bank or credit union. In fact, many credit unions offer payday loans at a more reasonable 14% APR. Almost anything is better than falling victim to a predatory payday loan.

Kenneth Long is Executive Director of Vision Credit Education, Inc.

http://www.stopccdebt.com

[tags]payday loan, predatory lending, high interest loan[/tags]

Useful Tips On Avoiding Credit And Charge Card Fraud

Credit and charge card fraud costs cardholders and issuers hundreds of millions of dollars each year. While theft is the most obvious form of fraud, it can occur in other ways. For example, someone may use your card number without your knowledge.

It's not always possible to prevent credit or charge card fraud from happening. But there are a few steps you can take to make it more difficult for a crook to capture your card or card numbers and minimize the possibility.

Do:

Sign your cards as soon as they arrive.

Carry your cards separately from your wallet, in a zippered compartment, a business card holder, or another small pouch.

Keep a record of your account numbers, their expiration dates, and the phone number and address of each company in a secure place. Keep an eye on your card during the transaction, and get it back as quickly as possible.

Void incorrect receipts.

Destroy carbons.

Save receipts to compare with billing statements.

Open bills promptly and reconcile accounts monthly, just as you would your checking account.

Report any questionable charges promptly to the card issuer.

Notify card companies in advance of a change in address.

Don't:

Lend your card(s) to anyone.

Leave cards or receipts lying around.

Sign a blank receipt. When you sign a receipt, draw a line through any blank spaces above the total.

Write your account number on a postcard or the outside of an envelope.

Give out your account number over the phone unless you're making the call to a company you know is reputable.

Reporting Losses and Fraud If you lose your credit or charge cards or if you realize they've been lost or stolen, immediately call the issuer(s).

Many companies have toll-free numbers and 24-hour service to deal with such emergencies.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

[tags]credit card, credit cards, credit card loan, credit card loans[/tags]

Government Loans

Simply put, government loans can be termed as the loans that a country's government provides its citizens so that the citizens can fulfil their various needs. These government loans include agriculture loans, disaster relief loans, educational loans, business loans, housing loans and veteran loans.

Most of the federal government's loans are provided for the purchase of housing and property and are broadly segregated under the Veteran's Administration (VA) program and Federal Housing Administration (FHA) programs.

VA loans are for the benefit of veteran citizens and do not require large down payments. Federal Housing Administration loans programs have been devised to keep the first time home or property buyers in mind and have a low interest rate and down payment requirement compared to loans offered by private agencies. There are set parameters of eligibility for the FHA programs.

Government loans have a definitive edge over other loans because unlike loans provided by private financial institutions like banks, the government loans do not aim to make profits, but are instead aimed at helping legal citizens. The benefit of taking a government loan is that it has an added advantage of a complete waiver in case a person is not able to repay because of unforseen events like natural calamities.

The rate of interest for government loans is lower and a longer payback period is offered. There is also the option of refinancing various types of loans, for people who have been prompt at paying previous loans and have built up a good credit history.

However, to make the best of government loans and grants, one needs a qualified agent who understands the nuances of the loans being offered. Besides an agent, there are also a lot of websites that offer advice on government loans.

Government Loans provides detailed information on Government Loans, Government Student Loans, Government Small Business Loans, Government Business Loans and more. Government Loans is affiliated with Military Personal Loans.

[tags]Government Loans, Government Business Loans, Government Small Business Loans, Government Student Loa[/tags]

Boost Your Savings

It is general knowledge that residents of the United Kingdom are typically not savers. They tend to spend much more than they save; according to studies, saving money is not as popular as it once was. Saving is extremely important to the quality of life you expect to live in the future. Think about it, what would happen if your car suddenly quit working? What would you do if the heater or refrigerator within your home just decided to give up one day? Imagine a situation where an emergency occurred and you had to travel immediately for some reason, what would you do?

Saving your money within an account can be an excellent source of immediate funds for an unexpected emergency. It makes a great deal of sense to simply put away money into an interest bearing account for these types of events, instead of having to take out a loan or bill a credit card for them. If you do either of these things will result in more debt and higher interest payments. Many experts believe that you need to set your priorities in the right direction and you should attempt to, over time, save an equal to your salary over a three month period.

Many people may find this a lot of money to put back when bills need to be paid, that is fine, consider saving as much as you possibly can without setting yourself into a deeper hole. If you simply saved £100 a week over a three-month period you would have saved £1,200 (not including any interest accrued), that would likely pay for a broke refrigerator or a significant amount on a new or repaired heater. There are many different types of savings accounts that you can consider, some of which do not require substantial deposits.

Typically, a banking institution will access a tax on the interest prior to adding it into your savings account, for example a taxpayer at the basic rate level will be accessed twenty (20) percent, while a taxpayer at a higher rate will be accessed forty (40) percent. For those who do not pay taxes, no taxes are deducted from the interest. For those who are non-taxpayers, you will be required to fill out a R85 form, this will allow you to avoid the taxes and receive the total interest accrued on the account.

One thing people should definitely consider is an ISA (Individual Savings Account), the government of the United Kingdom, created these types of accounts in efforts to encourage residents to save their money. In this account, they allow you to save your money in an amount of £3,000 or less yearly, that will be considered tax-free.

Jeff Lakie is a leading writer at the Bad credit loans uk website. Stop by today for additional information.

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Unsecured Loan - A Low-risk Solution For All Your Monetary Needs

The good thing about an unsecured loan for a borrower is perhaps the absence of risk. Since an unsecured loan is not secured against collateral, the borrower does not fear losing anything even if he fails to repay the loan on time. An unsecured loan is also processed and disbursed very fast as there is no collateral to be assessed, and consequently, very little paper work.

Another advantage of an unsecured loan is the flexibility of use. A consumer can use it to:

Pay his long medical bills

Renovate his house

Finance the education of his child

Make a car purchase

Consolidate all his past debts

Pay his mortgage arrears

Meet his holiday expenses

As far as the disadvantages of an unsecured loan are concerned, there are not too many. Since the lender does not have the security of collateral, he is forced to charge higher rates of interest. The repayment term of such a loan is also made short because of the risk factor.

An unsecured loan can be secured by people with bad credit history also. A poor credit history is usually the fallout of missed payments, arrears, defaults, county court judgements (CCJs) and bankruptcy. A bad credit unsecured loan, however, poses more risk to lender than a simple unsecured loan and as a result the terms and conditions of such a loan will be stricter than those of a simple unsecured loan.

Before applying for an unsecured loan, it is better to spend some time on the 'Net and compare the rates of the best online lenders in UK. This helps the consumer choose the best deal for himself. Those with little knowledge about the loan market UK should consult a financial expert before applying. There are too many predatory lenders waiting for them to fall into their trap!

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Go-4-UK-Loans as a finance specialist.

For more information please visit http://www.go4ukloans.co.uk

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Taste The Different Flavours Of Secured Loan

Secured loans are also known by another name that is, homeowner loans. If you are in need of finance and you are a homeowner, then secured loan can be the best option for finance. Secured loan enables you to determine the value of your house in times of difficulty.

Secured loan provides the lender a form of security that in case if the borrower makes defaults, still he can recover his money by means of collateral placed. In secured loan the lender allows the borrower to borrow large amount and with comparatively low rate of interest. Usually, the amount which gets approved for the secured loan is less than or equals to equity in the collateral. Usually, in secured loans you can borrow more than ₤25000. This is the reason as to why secured loans are more popular than unsecured loans.

Secured loan, being a most common loan is provided by almost all the lenders. Even, an online lender also provides secured loan as per the need of the borrower. And, it is seen that the online lenders provide secured loan on competitive rate of interest as compared to the lenders in the physical market.

Commonly it is said that the secured loans are risky as they carry risk of repossession. Such risk arises on the occasion of non payment of any monthly instalment. But if the borrower manages secured loan properly and meet all the repayments on time then, they are considered as the best and cheap source of finance.

Needs of every borrower varies, so they uses a secured loan amount as per their need. But most commonly, it is used for either of the purposes such as home improvement, purchasing house, purchasing car, consolidating debts and many more. And, also for each specific purpose a financial market offers different loans such as secured home improvement loans, secured car loan, etc. Secured loan is best suited to:

• If you have stable income

• If you are able to justify all your repayments

• You are a homeowner

Another advantage which a secured loan offers is that whether you are good credit scorer or bad credit scorer still you can avail secured loans. It is true that poor credit scorer can avail but lender offers them a bit high rate of interest. Through secured loan you can improve your credit score by making timely payments. And, then improved credit score will help you to procure funds in future and on same rate as offered to the good credit scorer.

Aldrich Chappel has been associated with GetSecuredLoans, since its inception. Having completed his Masters in Finance from Lancaster University Management School, he undertook to provide useful advice through his articles that have been found very useful by the residents of the UK. To find Secured loan, Secured consolidation loan, Low cost secured loan, Online secured loan, Homeowner loan personal secured visit http://www.get-secured-loans.co.uk

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Bad Credit Unsecured Tenant Loan - Ensure Hurdle Free Finance At Better Terms

Tenant usually does not own property that could enable them to take a secured loan. They have to go for an unsecured loan which comes with harder terms and conditions laid down by the lender. On the top of it if tenants have bad credit the loan becomes all the more difficult task. Bad credit unsecured tenant loans are especially made for tenants going through bad financial phase. The loan is provided in a hassle free manner and can be utilized for whichever purpose the tenant wants to put it in use.

Bad credit is labeled against a tenant's name because he or she has repeatedly defaulted in payments. Such tenants may have faced CCJs and even may have filed for bankruptcy. Credit score of these tenants on FICO scale of 300 to 850, often is below 600 considered as risky for a loan offer. Still one can take bad credit unsecured tenant loans without bothering much about bad credit.

Tenants with bad credit should prepare a sound and convincing repayment plan and present it to the lender to assure safe return of the loan. Tenants should be ready to present their monthly income and employment proof to the lender if asked. Bank account statement also works as an assurance for the lender. Also clearly tell the lender as to why you could not pay off the previous loans in time. Lender will listen you sympathetically and will consider your loan application if convinced.

Being unsecured, bad credit unsecured tenant loans have higher interest rate attached to it. The lender has to cover the risks involved in the loan. The loan is for shorter repayment duration of few years which also is one reason for higher interest rate. These tenants also will get smaller amount under the unsecured loan.

But before approaching a lender, take a copy of your credit report from a reputed credit rating agency and check it for errors. It would help a lot if some easy debts can be paid off as this will show the lender your intentions in paying the loan and better terms-conditions may be offered to you. Apply online for the loan in order to get it approved in shorter time and to reduce the cost of availing the loan. Before applying compare different loan offers.

Bad credit unsecured loans ensure a desired finance to bad credit tenants without bothering much about their adverse credentials. The loan will help you repair your credit score once the loan installments are paid in due time.

Peter Taylor is a senior financial analyst at FastCashLoanTenant with an acumen for finance and insurance. In recent years he has taken up to provide independant financial advice through his informative articles.To find Bad credit unsecured tenant loans, Unsecured loan, Fast cash loan tenant that best suits your need visit http://www.fastcashloantenant.co.uk

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Who Needs Loan Protection

If you're taking out a loan, beware of being misled into taking out payment protection insurance. From a recent questionnaire, it appears that around 25% of consumers were under the impression that by taking out this expensive and often totally unnecessary insurance, they were actually improving their chances of getting their loan.

This is simply not true. What payment protection insurance, or PPI, is supposed to do is to ensure that the borrower is able to maintain their repayments in the case of illness, accident or being out of work. What many people are unaware of are the exemptions which mean in many cases they are not able to claim. There is absolutely no necessity to take out the cover and it should certainly not be a conditional part of the loan. In many cases borrowers' already have cover in place to compensate them in the case of being made redundant. In the case of a borrower who is self employed or work on a sub-contract basis, they'd not be able to claim for the loss of their job anyway.

PPI providers are drawing in around £5billion per year for these products and the cost of claims is a very small proportion of this. They are using very different terms to describe what are virtually identical products and giving very little information on the exact nature of the them.

Citizens Advice had complained about the fact that the PPI providers were harmful to the interests of consumers. As the product was originally supposed to protect borrowers' ability to maintain payments and avoid getting into debt and this was clearly not the case, they asked for some action to be taken. The Office of Fair Trading has looked into this and their subsequent report also shows that they found a great deal of difference in the prices being charged for PPI's with costs ranging from £16 to around £40 for near identical cover. They did, however, find some evidence of good practice regarding the provision of pricing and clear information, but this was in a small proportion of providers.

More than 85% of providers of unsecured loans actually included the cost of the loan in the loan quotation, rather than showing it clearly as an optional extra.

It is thought that 60% of the cost of the product is paid out in commission fees, so it's clearly a good earner for the sellers! A spokesman for one of the main insurance brokers, who has been canvassing for change in the PPI market, states that "Commission rates are being used by firms to inflate their profits and do no represent good value for consumers."

The Office of Fair Trading plan collate feed back on its report shortly and will then consider and outline whatever action it is likely to take to improve the situation. It is expected that the Office of Fair Trading will attempt to persuade companies to improve the products which they offer to their customers on a voluntary basis, in addition to setting up a code of conduct.

If this request were to meet with a refusal, the result could well be that a full investigation and recommendations would be handed to the Competition Commission or the FSA.

So, if you're taking out a loan, there's a lot of help and advice out there and it can be easily found by getting on line to an internet broker. They'll sort through the maze of information and find the best deals. Remember, loan protection is not a necessity and if you do need it, you'll receive the right advice and information.

Loan Agreement is a large uk based website offering unsecured loans

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Cash Advance Companies May Offer A Better Solution

Cash advance companies loan money to working people to tide them over until their next payday, usually in the amount of a few hundred dollars. To pay off the loan, the borrower writes a check that is post-dated for the next payday. When he or she has money in the bank, the cash advance company cashes the check. Often there is a service charge of about $15 for every $100 borrowed.

For people with bad credit and no credit cards, this is the easiest way to borrow money during difficult financial situations. This form of lending has become very popular, and cash advance is a $45 billion industry in the United States.

At first glance, cash advance companies seem like an expensive way to borrow money. When you calculate the annualized percentage rate (APR), some payday loans come out to 250 percent and even close to 400 percent APR. Compare that with 20 percent for a credit card and it quickly looks unfair. But there's more to the story than that.

From a lender's perspective, there's no reason why they would charge what a bank or credit card charges in interest. For example, if a cash advance company lent one hundred dollars to someone for one week and charged 20 percent interest, it would only yield them 38 cents. That's not much of a profit.

Although we don't realize it, there are other charges that we encounter quite often that also turn out to be very high APR rates. For example, if you bounce a $100 check, you will incur overdraft fees and perhaps a merchant fee that could add up to a $48 charge. That works out to 1,250 percent APR. "If you're late paying your $100 credit card balance, you could be charged $26, an APR of 678 percent," according to John Matthews of Big Cash Advance. Taken in context, cash advance companies offer a worthwhile short-term solution.

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What To Do For Good Credit

For several years, credit has been an important part of our economy. With the popularity of the internet, credit has become even more important due to the impersonal nature of being able to apply for a loan without meeting anyone in person.

A person's credit history will always be an important factor when lenders consider granting a loan. It demonstrates the ability and desire to make credit payments according to agreements made in the past. Therefore, it's important to spend the time necessary to develop a positive credit status and to repair any poor credit history listed in a credit report.

Here's the factors to consider in maintaining good credit and for repairing any poor credit.

1. Time

Keep in mind that it will take some time for bad marks in your credit file to be removed. It also takes time and effort in the process of having derogatory credit removed. And, you'll need some time in making payments as agreed to show positive credit behavior, six months of on-time payments looks good to a lender.

2. Work

It will take some work to stay on top of your credit payments and always stay vigilant to avoid being late on a payment that could then be detrimental to your credit status. If you're going to be late on a payment, do everything possible to contact the lender and work out an agreement for a partial payment or some other means to stay current on your loan or credit card. Many people have been surprised to find that with just one phone call, they can make arrangements to re-arrange their payments, make a partial payment, change the payment date, or make other accommodations to fit their situation (but that phone call has to be made first).

3. Patience

This goes right along with time. Repairing credit and maintaining good credit is a process that just doesn't happen overnight. If you don't agree with something on your credit report, you have a right to dispute that item. If you dispute an item on your credit report, it will take time to be resolved (around 30 days and it may not be resolved to your satisfaction). Every time you apply for a loan, the application process will require patience (if you try to rush this process, you may get a quick "no", rather than a thought-out "yes").

4. Wisdom

Use credit wisely. Don't overextend yourself. Don't say yes to every loan offer you get. Watch out for high interest credit cards (or agreements where the rate raises substantially over time). You can find lower interest credit in the form of vehicle loans, mortgages, or home improvement loans. Think about each purchase you make in light of it's impact on your credit. Ask yourself, "do I really need this?" Most importantly, keep in mind that less debt is just as important as having extra spendable cash on hand.

In summary, use your credit wisely and make your payments on time. If there's bad marks on your credit report, make a resolve that from now on everything will be paid on time. If you have a financial emergency, call each lender and work out an arrangement to get through until you get "back on your feet." If you disagree with any bad credit on your report, dispute it. In the end, you'll want to make this a long-term commitment concerning credit and you'll then find that whenever you need to borrow money, it will be there for you. It may not happen overnight, but if you work at it and pay attention to the details, it will happen.

Copyright (c) 2006.

Expert author Jessica Deets researches helpful information and has a passion about credit. The website at http://www.BestCreditReportInfo.com has more information about getting a free annual credit report and features latest news regarding credit along with identity theft help.

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Holiday Loans Can Expand The Horizon Of What You See

Why do kids get all the breaks? Winter-weary adults, fed up with gray, uninspired landscapes need spring vacation too. This year consider a get away to a room with an inspiring view. You have been cash-strapped and indeed desperate to go out of the four walls you have been living every day. Never seem to have the money for your dream destination? Apply for holiday loans.

In this wide web world there is a place for everything. Yes, a place for a holiday loan to take you to the place you have in mind for so long. Holiday loans are basically categorized under personal loans. Personal loans, as you must know, are loans taken to secure your personal requirements. The loan taken in order to go for a holiday is a holiday loan. A holiday loan can be both secure and unsecured. If you are a homeowner in UK then you can apply for a secured holiday loan in order to fund your vacation.

A secured loan will be provided to you against a guarantee of your home. The interest rates are normally quite low for the simple fact that you have committed some property for the loan you have taken. The advantages of a secured holiday loans is, in addition to lower rate of interest, that the repayment terms are very flexible and the amount you are allowed to borrow is relatively high. You are even allowed to pay your holiday loan early, if you are comfortable with it.

Well if you think that being a resident in UK and not a homeowner jeopardizes your chances of taking a holiday loan. Then, I must ask you where have you been living? You definitely haven't gone out much. You must apply for a holiday loan. Oh! I haven't told you how that is possible. An unsecured holiday loan can give you the benefit of a holiday loan. For an unsecured holiday loan, you don't have to place any collateral. Thus, you can travel anywhere in the world even though you don't have enough money to own a home.

A Holiday loan is usually a short term loan. The amount you require and the time schedule for repayment should be decided keeping in mind your cash inflow. This is necessary so that your repayment is on time. Major holidays like Christmas and Easter usually bring with them expenses. You are pressurized by family and your own aspirations might tempt you to indulge in extravagance like traveling and shopping. A holiday loan is the ideal solution for this circumstance.

The loan lending companies available online not only will provide you finance but provide you information about where to stay, what places to visit, where to shop, what to see. Not only this, they arrange for you the tickets, hotels, cab services etc. All you have to do is to click online and all the information will be made available to you in a matter of seconds. Numerous varieties of holiday loan are available to suit your needs and requirements. You can repay the loan between three to ten years. The far-sightedness of the loan lending companies will benefit you in taking the loan ideal to satisfy your motives. You can make use of their experience for your own benefits.

With so many options accessible, there is a room for people who have bad credit history. People with unimpressive personal credit history have also applied for holiday loans. CCJs, IVAs, defaults, arrears discharged bankers have also been considered and been successful in acquiring a holiday loan. It is interesting to see how there is a holiday loan created for any circumstance and condition. So, if you are a salaried person, employed, self-employed, unemployed or a housewife, retired, or a homemaker you are still eligible for a holiday loan.

Enough of damp and cold weather of Britain! You would certainly want to see the sky in some other country, bask in the sun and sip cocktail under the lush palm trees, ski in Switzerland, unravel the enigma of Pyramids, go on a cruise. Enough of watching the world through the net. Don't have the money? Don't dampen your spirits! Get a holiday loan.

Amanda Thompson holds a Bachelor's degree in Commerce from CPIT and has completed her master's in Business Administration from IGNOU. She is as cautious about her finances as any person reading this is. She is working as financial consultant for http://www.chanceforloans.co.uk To find a Secured or unsecured holiday loan that best suits your needs visit http://www.chanceforloans.co.uk

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