Low Fee Cash Advance Loans : Guaranteed Fast Cash
By Carrie Reeder
Getting your hands on emergency cash is difficult. If you live
paycheck-to-paycheck, you may be unable to pay an unforeseen expense. In this
case, you may benefit from a cash advance personal loan. Cash advance
loans offer guaranteed fast cash when you need it most ? usually during
an emergency.
Apply Online for a Fast Cash Advance
Cash advance personal loan companies are located throughout the
country. In addition, you may apply for a loan through an online company.
Online companies are the easiest, and most convenient. Simply complete an
online loan application. The application will ask for details pertaining
to your employment, monthly income, and banking information.
How to Qualify for a Cash Advance Loan?
For the most part, everyone will qualify for a cash advance personal
loan. Approvals are not based on credit scores. Moreover, the loan
process is extremely quick. The speediness of cash advance loans is perfect
for those needing instant cash.
Although cash advance companies have lenient lending requirements, they
do require applicants to be employed. Cash advance companies will not
lend money to people without employment. Most companies also require a
minimum monthly income.
If applying for an online loan, you may need to show proof of
employment. Thus, the cash advance company may ask you to fax paycheck studs,
W-2's, etc. A copy of your banking statement should accompany this fax.
Once the information is verified, the company will deposit the cash
advance into your bank account.
Faxless cash advance loans are also available. In this case, you are
not asked to fax or provide documentation. Upon completing your online
application, the company will verify all information.
Choosing Your Cash Advance Lender
If you are in need of a quick cash advance loan, carefully select a
lender. While a cash advance is great for emergencies, these loans involve
many fees. Low-cost cash advance loans are available. However, you must
be willing to search for companies that advertise low fees.
When you get a cash advance, the lender will charge an upfront fee.
This fee varies. The more money you borrow, the higher the fee. If you are
unable to repay the loan by the due date, the lender will charge
additional fees. Before applying for a cash advance, carefully read the
agreement and inquire about fees. This way, you avoid paying triple, even
quadruple, your original loan amount.
See my recommended Cheap Cash Advance Loan companies online.
Carrie Reeder is the owner of ABC Loan Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
http://EzineArticles.com/?Low-Fee-Cash-Advance-Loans-:-Guaranteed-Fast-Cash&id=113790
Monday, April 30, 2007
Saturday, April 28, 2007
Guaranteed Car Lend
Business Cash Advance
By Jason Gluckman
For small business owners, one of the most difficult things they deal with is the lack of capital and the limited access they have in getting capital from formal lenders. One if the reasons why small business owners have a difficult time in gaining access to business loans is because most lenders consider small businesses as high risk borrowers because of the unstable income profile that most small businesses have. In addition to this, the experience of most lenders in lending to small business owners has shown that small businesses generally have a hard time paying for business loans. However, small business owners need not content themselves with getting loans from unscrupulous lenders, as there are now some lenders who are willing to take the risk in lending to small businesses.
Cash advances for businesses
Some lenders have devised ways by which they can lend to small businesses. Usually, the lending schemes that these lenders offer consist of loan products that allow businesses to get a cash advance. However, instead of a paycheck, the loans are usually tied to purchase orders, post dated check payments and other account receivables that the business would collect in the future. In other words, these lending schemes make it possible for businesses to draw from their income ahead of time to help them finance their current operations, to buy raw materials, or to finance their expansion.
However, these loans usually come with some very stiff requirements. One of these is the requirement of some lenders for small businesses to prove their profitability for the last three years. In addition to this, some lenders also require that small businesses provide them with additional collateral. The credit history of the business is also a major consideration, as some lenders require a minimum credit score for businesses to qualify for a loan. Lastly and more importantly, some lenders also charge a higher interest rate on the loans they provide small businesses.
Small businesses have always had difficulty in accessing the formal lending sector because of the unstable income profile of these businesses. However, small businesses are now being provided access to business loans in the form of cash advances, which has made it possible for businesses to gain access to cash they need for various purposes. But as with any loan given to small businesses, there are some stringent criteria that businesses need to meet before they qualify for these loans.
Cash Advance provides detailed information on Cash Advances, Payday Cash Advances, Online Cash Advances, Overnight Cash Advances and more. Cash Advance is affiliated with Cash Registers.
Article Source: http://EzineArticles.com/?expert=Jason_Gluckman
http://EzineArticles.com/?Business-Cash-Advance&id=408664
By Jason Gluckman
For small business owners, one of the most difficult things they deal with is the lack of capital and the limited access they have in getting capital from formal lenders. One if the reasons why small business owners have a difficult time in gaining access to business loans is because most lenders consider small businesses as high risk borrowers because of the unstable income profile that most small businesses have. In addition to this, the experience of most lenders in lending to small business owners has shown that small businesses generally have a hard time paying for business loans. However, small business owners need not content themselves with getting loans from unscrupulous lenders, as there are now some lenders who are willing to take the risk in lending to small businesses.
Cash advances for businesses
Some lenders have devised ways by which they can lend to small businesses. Usually, the lending schemes that these lenders offer consist of loan products that allow businesses to get a cash advance. However, instead of a paycheck, the loans are usually tied to purchase orders, post dated check payments and other account receivables that the business would collect in the future. In other words, these lending schemes make it possible for businesses to draw from their income ahead of time to help them finance their current operations, to buy raw materials, or to finance their expansion.
However, these loans usually come with some very stiff requirements. One of these is the requirement of some lenders for small businesses to prove their profitability for the last three years. In addition to this, some lenders also require that small businesses provide them with additional collateral. The credit history of the business is also a major consideration, as some lenders require a minimum credit score for businesses to qualify for a loan. Lastly and more importantly, some lenders also charge a higher interest rate on the loans they provide small businesses.
Small businesses have always had difficulty in accessing the formal lending sector because of the unstable income profile of these businesses. However, small businesses are now being provided access to business loans in the form of cash advances, which has made it possible for businesses to gain access to cash they need for various purposes. But as with any loan given to small businesses, there are some stringent criteria that businesses need to meet before they qualify for these loans.
Cash Advance provides detailed information on Cash Advances, Payday Cash Advances, Online Cash Advances, Overnight Cash Advances and more. Cash Advance is affiliated with Cash Registers.
Article Source: http://EzineArticles.com/?expert=Jason_Gluckman
http://EzineArticles.com/?Business-Cash-Advance&id=408664
Friday, April 27, 2007
Guaranteed Car Lend
Low Fee Cash Advance Loans : Guaranteed Fast Cash
By Carrie Reeder
Getting your hands on emergency cash is difficult. If you live
paycheck-to-paycheck, you may be unable to pay an unforeseen expense. In this
case, you may benefit from a cash advance personal loan. Cash advance
loans offer guaranteed fast cash when you need it most ? usually during
an emergency.
Apply Online for a Fast Cash Advance
Cash advance personal loan companies are located throughout the
country. In addition, you may apply for a loan through an online company.
Online companies are the easiest, and most convenient. Simply complete an
online loan application. The application will ask for details pertaining
to your employment, monthly income, and banking information.
How to Qualify for a Cash Advance Loan?
For the most part, everyone will qualify for a cash advance personal
loan. Approvals are not based on credit scores. Moreover, the loan
process is extremely quick. The speediness of cash advance loans is perfect
for those needing instant cash.
Although cash advance companies have lenient lending requirements, they
do require applicants to be employed. Cash advance companies will not
lend money to people without employment. Most companies also require a
minimum monthly income.
If applying for an online loan, you may need to show proof of
employment. Thus, the cash advance company may ask you to fax paycheck studs,
W-2's, etc. A copy of your banking statement should accompany this fax.
Once the information is verified, the company will deposit the cash
advance into your bank account.
Faxless cash advance loans are also available. In this case, you are
not asked to fax or provide documentation. Upon completing your online
application, the company will verify all information.
Choosing Your Cash Advance Lender
If you are in need of a quick cash advance loan, carefully select a
lender. While a cash advance is great for emergencies, these loans involve
many fees. Low-cost cash advance loans are available. However, you must
be willing to search for companies that advertise low fees.
When you get a cash advance, the lender will charge an upfront fee.
This fee varies. The more money you borrow, the higher the fee. If you are
unable to repay the loan by the due date, the lender will charge
additional fees. Before applying for a cash advance, carefully read the
agreement and inquire about fees. This way, you avoid paying triple, even
quadruple, your original loan amount.
See my recommended Cheap Cash Advance Loan companies online.
Carrie Reeder is the owner of ABC Loan Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
http://EzineArticles.com/?Low-Fee-Cash-Advance-Loans-:-Guaranteed-Fast-Cash&id=113790
By Carrie Reeder
Getting your hands on emergency cash is difficult. If you live
paycheck-to-paycheck, you may be unable to pay an unforeseen expense. In this
case, you may benefit from a cash advance personal loan. Cash advance
loans offer guaranteed fast cash when you need it most ? usually during
an emergency.
Apply Online for a Fast Cash Advance
Cash advance personal loan companies are located throughout the
country. In addition, you may apply for a loan through an online company.
Online companies are the easiest, and most convenient. Simply complete an
online loan application. The application will ask for details pertaining
to your employment, monthly income, and banking information.
How to Qualify for a Cash Advance Loan?
For the most part, everyone will qualify for a cash advance personal
loan. Approvals are not based on credit scores. Moreover, the loan
process is extremely quick. The speediness of cash advance loans is perfect
for those needing instant cash.
Although cash advance companies have lenient lending requirements, they
do require applicants to be employed. Cash advance companies will not
lend money to people without employment. Most companies also require a
minimum monthly income.
If applying for an online loan, you may need to show proof of
employment. Thus, the cash advance company may ask you to fax paycheck studs,
W-2's, etc. A copy of your banking statement should accompany this fax.
Once the information is verified, the company will deposit the cash
advance into your bank account.
Faxless cash advance loans are also available. In this case, you are
not asked to fax or provide documentation. Upon completing your online
application, the company will verify all information.
Choosing Your Cash Advance Lender
If you are in need of a quick cash advance loan, carefully select a
lender. While a cash advance is great for emergencies, these loans involve
many fees. Low-cost cash advance loans are available. However, you must
be willing to search for companies that advertise low fees.
When you get a cash advance, the lender will charge an upfront fee.
This fee varies. The more money you borrow, the higher the fee. If you are
unable to repay the loan by the due date, the lender will charge
additional fees. Before applying for a cash advance, carefully read the
agreement and inquire about fees. This way, you avoid paying triple, even
quadruple, your original loan amount.
See my recommended Cheap Cash Advance Loan companies online.
Carrie Reeder is the owner of ABC Loan Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
http://EzineArticles.com/?Low-Fee-Cash-Advance-Loans-:-Guaranteed-Fast-Cash&id=113790
Thursday, April 26, 2007
Guaranteed Car Lend
Mortgage Information Services
By Steve Valentino
Lenders of money guaranteed by a mortgage are called mortgagees, and borrowers are called mortgagors. There are several kinds of lenders. They can vary greatly as to the kind of mortgage they will offer, the rates of interest they will charge and the maximum number of years over which the loan can be paid back. Building societies lend in two ways: first mortgages for buying a home and second mortgages for improving a home, buying a car or from some other purpose. Second mortgages are likely to be at a higher interest rate and over a shorter term.
Building society mortgages are among the cheapest available, and they allow long repayment terms (sometimes up to 35 years). On the other hand, it is not the case with bank loans. All major building societies belong to the Building Societies Association and are members of the Council of Mortgage Lenders. However, individual societies are free to set their own interest rates. Societies may have different lending policies, and local branch managers often have some discretion in deciding what to do in individual cases. Building societies are mutual organizations owned by their savers and borrowers. However, many building societies are now becoming banks, with shareholders whose profits come from the interest paid by the borrower.
A bank lends in two ways. First, mortgages for buying or improving a home are normally over a 20 or 25 year period at interest rates similar to those of the building societies. Secondly, they give loans for any purpose but are likely to be for a shorter period, say ten years. These loans will be secured on your home. They are relatively expensive because monthly payments need to be high to repay the loan in such a short time, and they are likely to be at a higher interest rate than a first loan.
Mortgage Information provides detailed information on Mortgage Information, Reverse Mortgage Information, Mortgage Information Services, Mortgage Refinance Information and more. Mortgage Information is affiliated with Mortgage Rate Calculators.
Article Source: http://EzineArticles.com/?expert=Steve_Valentino
http://EzineArticles.com/?Mortgage-Information-Services&id=227560
By Steve Valentino
Lenders of money guaranteed by a mortgage are called mortgagees, and borrowers are called mortgagors. There are several kinds of lenders. They can vary greatly as to the kind of mortgage they will offer, the rates of interest they will charge and the maximum number of years over which the loan can be paid back. Building societies lend in two ways: first mortgages for buying a home and second mortgages for improving a home, buying a car or from some other purpose. Second mortgages are likely to be at a higher interest rate and over a shorter term.
Building society mortgages are among the cheapest available, and they allow long repayment terms (sometimes up to 35 years). On the other hand, it is not the case with bank loans. All major building societies belong to the Building Societies Association and are members of the Council of Mortgage Lenders. However, individual societies are free to set their own interest rates. Societies may have different lending policies, and local branch managers often have some discretion in deciding what to do in individual cases. Building societies are mutual organizations owned by their savers and borrowers. However, many building societies are now becoming banks, with shareholders whose profits come from the interest paid by the borrower.
A bank lends in two ways. First, mortgages for buying or improving a home are normally over a 20 or 25 year period at interest rates similar to those of the building societies. Secondly, they give loans for any purpose but are likely to be for a shorter period, say ten years. These loans will be secured on your home. They are relatively expensive because monthly payments need to be high to repay the loan in such a short time, and they are likely to be at a higher interest rate than a first loan.
Mortgage Information provides detailed information on Mortgage Information, Reverse Mortgage Information, Mortgage Information Services, Mortgage Refinance Information and more. Mortgage Information is affiliated with Mortgage Rate Calculators.
Article Source: http://EzineArticles.com/?expert=Steve_Valentino
http://EzineArticles.com/?Mortgage-Information-Services&id=227560
Wednesday, April 25, 2007
Guaranteed Car Lend
Quick Cash Advance Loans
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
Tuesday, April 24, 2007
Guaranteed Car Lend
How to Determine the Best Car Loans or Vehicle Finance by Jody Aird
Obtaining a car loan or vehicle finance is not as straight forward as it once was. Different financing methods suit different buyers depending on their lifestyle and credit history.
The overview below helps highlight the differences between the prime vehicle financing solutions in the market.
Bank Loan
The money is obtained in advanced to buy the car outright. The debt is repaided in agreed monthly instalments to the lender.
Advantages:
1. Car dealers usually prefer cash buyers and better prices can be negotiated.
2. The car is completely owned from when the documents are signed.
Disadvantages:
1. Standard Loans can be more difficult to be approved than car loans or vehicle finance.
2. Dependant on the amount the loans can be restricted just to homeowners.
3. Two main types of loans; Secured and unsecured. Secured will ensure cheaper monthly repayments buy over a long term. However, the lenders can repossess the security that is offered. It has been known for homes to be lost because repayments have not be met.
4. Difficult to obtain if there is a history of bad credit such as, CCJ's or adverse credit.
Hire Purchase
A deposit negotiated (sometimes can be nil) and fixed amount are paid per month for the agreed period. Primarily available on new cars or of less than 2 years old. There are providers such as http://www.creditplus.co.uk/prime/motorfinance.html who will do hire purchase on used cars up to 10 year old.
Available from: HSBC, Lloydstsb, Cahoots, Egg loans and any other leading lender.
Advantages of hire purchase:
1. Poor Credit buyers will be looked on more favourable as there is security in the vehicle.
2. A higher lend is available if you have credit problems in comparison to straight loans
3. Quick to obtain.
4. Better rates than some standard loans especially on new vehicles.
Disadvantages of hire purchase:
1. Car is not the property of the buyer until the agreement has finished.
2. If repayments are missed the vehicle finance company can repossess the car and sue the buyer for anything owed.
Available from www.creditplus.co.uk , www.contracthireandleasing.com Other hire purchase lenders can be found at: http://www.ukmotoringdirectory.co.uk/motoring.php?id=1892
Looking for further advice on hire purchase: www.oft.gov.uk/Consumer/Hire+purchase
Personal Contract Purchase (PCP)
PCP is similar to hire purchase, that a deposit is paid and an agreed number of monthly repayments. A final payment is agreed at the start and is known as the guaranteed minimum future value (GMFV) sometimes known as a balloon payment. The GMFV must be paid if the car is kept. If the car is part-exchanged the deposit will not be refunded and will be put towards the deposit on the new car.
The major difference from hire purchase is that after the contract period the car can be kept, hand it back or part-exchange for another new car. Available for new and nearly new cars only. The GMFV must be paid if the car is kept.
Advantages of PCP:
1. Excellent rates on the monthly repayments.
2. Easy maintenance packages.
3. Balloon payments
4. Keeps payments low.
5. Constantly have the latest vehicles on the market.
Disadvantages of PCP:
1. Expensive method in the long term.
2. Car is owned by the finance company until the end of the contract.
3. Penalties for early settlement.
4. Restrictions on annual mileage limited.
Available from: http://www.creditplus.co.uk/prime/motorfinance.html http://www.lexfreechoice.co.uk Other PCP lenders can be found at: http://linkcentre.com/cars/Car-Hire/Personal-Contract-Purchase
The most suitable finance depends on your circumstances however one thing to be sure about is that finance can be achieved not matter what the financial status.
To compare hire purchase and PCP side by side: http://www.creditplus.co.uk/prime/financecalculator.html
About the Author
Underwriter for car finance specialist: www.creditplus.co.uk
Obtaining a car loan or vehicle finance is not as straight forward as it once was. Different financing methods suit different buyers depending on their lifestyle and credit history.
The overview below helps highlight the differences between the prime vehicle financing solutions in the market.
Bank Loan
The money is obtained in advanced to buy the car outright. The debt is repaided in agreed monthly instalments to the lender.
Advantages:
1. Car dealers usually prefer cash buyers and better prices can be negotiated.
2. The car is completely owned from when the documents are signed.
Disadvantages:
1. Standard Loans can be more difficult to be approved than car loans or vehicle finance.
2. Dependant on the amount the loans can be restricted just to homeowners.
3. Two main types of loans; Secured and unsecured. Secured will ensure cheaper monthly repayments buy over a long term. However, the lenders can repossess the security that is offered. It has been known for homes to be lost because repayments have not be met.
4. Difficult to obtain if there is a history of bad credit such as, CCJ's or adverse credit.
Hire Purchase
A deposit negotiated (sometimes can be nil) and fixed amount are paid per month for the agreed period. Primarily available on new cars or of less than 2 years old. There are providers such as http://www.creditplus.co.uk/prime/motorfinance.html who will do hire purchase on used cars up to 10 year old.
Available from: HSBC, Lloydstsb, Cahoots, Egg loans and any other leading lender.
Advantages of hire purchase:
1. Poor Credit buyers will be looked on more favourable as there is security in the vehicle.
2. A higher lend is available if you have credit problems in comparison to straight loans
3. Quick to obtain.
4. Better rates than some standard loans especially on new vehicles.
Disadvantages of hire purchase:
1. Car is not the property of the buyer until the agreement has finished.
2. If repayments are missed the vehicle finance company can repossess the car and sue the buyer for anything owed.
Available from www.creditplus.co.uk , www.contracthireandleasing.com Other hire purchase lenders can be found at: http://www.ukmotoringdirectory.co.uk/motoring.php?id=1892
Looking for further advice on hire purchase: www.oft.gov.uk/Consumer/Hire+purchase
Personal Contract Purchase (PCP)
PCP is similar to hire purchase, that a deposit is paid and an agreed number of monthly repayments. A final payment is agreed at the start and is known as the guaranteed minimum future value (GMFV) sometimes known as a balloon payment. The GMFV must be paid if the car is kept. If the car is part-exchanged the deposit will not be refunded and will be put towards the deposit on the new car.
The major difference from hire purchase is that after the contract period the car can be kept, hand it back or part-exchange for another new car. Available for new and nearly new cars only. The GMFV must be paid if the car is kept.
Advantages of PCP:
1. Excellent rates on the monthly repayments.
2. Easy maintenance packages.
3. Balloon payments
4. Keeps payments low.
5. Constantly have the latest vehicles on the market.
Disadvantages of PCP:
1. Expensive method in the long term.
2. Car is owned by the finance company until the end of the contract.
3. Penalties for early settlement.
4. Restrictions on annual mileage limited.
Available from: http://www.creditplus.co.uk/prime/motorfinance.html http://www.lexfreechoice.co.uk Other PCP lenders can be found at: http://linkcentre.com/cars/Car-Hire/Personal-Contract-Purchase
The most suitable finance depends on your circumstances however one thing to be sure about is that finance can be achieved not matter what the financial status.
To compare hire purchase and PCP side by side: http://www.creditplus.co.uk/prime/financecalculator.html
About the Author
Underwriter for car finance specialist: www.creditplus.co.uk
Monday, April 23, 2007
Guaranteed Car Lend
Negative Equity in a Car by Jody Aird
What is negative equity in a car? You will probably be more familiar with the term negative equity in relation to houses rather then cars, however the principle is the same. With hire purchase (HP) the car has finance attached to the vehicle which can be checked by having a HPI check. This will also advise if there are any other concerns, ie. Whether its been stolen, been in an accident, had a plate change etc.
Negative equity is the amount of finance outstanding on the HP in relation to the present value of the vehicle. This can be caused by a number of elements such as, a new model being launched, a long repayment period of 5 years, excessive mileage, wear and tear or damage. It is not necessary that you where sold the vehicle at a "too high" price, but maybe one, or a combination of factors.
The consumer is safe guarded on the price of a vehicle when taking out HP verses that of a personal loan , because any responsible lender will normally lend around 100% of glasses guide retail and will also carry out a HPI check on your behalf. This is a practice widely recognised and will also ensure that the car you are buying is at the right price, and that it has not been lost or stolen.
There are many ways to deal with negative equity, using the car as a part exchange with your new vehicle is normally the best way, but cannot always be possible. Speak to your dealer or brokerage who will be able to offer you advice based on your negative equity.
About the Author
Journalist for Credit plus - Car Loan Specialists
What is negative equity in a car? You will probably be more familiar with the term negative equity in relation to houses rather then cars, however the principle is the same. With hire purchase (HP) the car has finance attached to the vehicle which can be checked by having a HPI check. This will also advise if there are any other concerns, ie. Whether its been stolen, been in an accident, had a plate change etc.
Negative equity is the amount of finance outstanding on the HP in relation to the present value of the vehicle. This can be caused by a number of elements such as, a new model being launched, a long repayment period of 5 years, excessive mileage, wear and tear or damage. It is not necessary that you where sold the vehicle at a "too high" price, but maybe one, or a combination of factors.
The consumer is safe guarded on the price of a vehicle when taking out HP verses that of a personal loan , because any responsible lender will normally lend around 100% of glasses guide retail and will also carry out a HPI check on your behalf. This is a practice widely recognised and will also ensure that the car you are buying is at the right price, and that it has not been lost or stolen.
There are many ways to deal with negative equity, using the car as a part exchange with your new vehicle is normally the best way, but cannot always be possible. Speak to your dealer or brokerage who will be able to offer you advice based on your negative equity.
About the Author
Journalist for Credit plus - Car Loan Specialists
Saturday, April 21, 2007
Guaranteed Car Lend
18 Guidelines To Get Lawsuit Loan - Lawsuit Funding by Paul Sherman
18 Guidelines, Every Plaintiff Must Know To Secure Lawsuit Cash Advance - Lawsuit Funding
Most of the plaintiffs involved in lawsuits do not realize they can get cash advance before their case settles. It is called as lawsuit funding and often referred as lawsuit loan, legal finance, legal financing, legal funding, legal funds, lawsuit cash advance, litigation financing, pre-settlement loan and plaintiff cash advance. The following 18 guidelines, every plaintiff must know about lawsuit loans and lawsuit cash advance. I hope these will help and guide them to take a knowledgeable and judicious decision while seeking a lawsuit funding or lawsuit loan.
1. Who is eligible for Lawsuit funding?
If you are a plaintiff, involved in any of following lawsuits (but not limited to), i.e.: personal injury, auto accident, malpractice (medical, legal, construction), employment discrimination, fraud, product liability, breach of contract, Mesothelioma, negligence, workers compensation, civil rights, class action, patent infringement, whistle blower (qui tam), workers compensation (not in all states), wrongful death, commercial litigation etc.; and if you are represented by an attorney, you may be eligible for a cash advance or legal financing on your pending settlement.
2. (A) How can I benefit from lawsuit funding?
Many plaintiffs are forced to accept a low offer due to the financial hardship they experience soon after their personal injury. A cash advance on your settlement will allow your attorney the time needed to get the full value for your case.
(B) How the lawsuit funding would help me get more money for my lawsuit case? The defendant, in order to save time and money and settle the case early, will offer you far less than what the case is really worth. If you need immediate financial help you may feel pressured to take an earlier (and often smaller) settlement. Lawsuit funding or so called lawsuit loan can ease your immediate financial needs and allow your attorney to continue to fight for a fair larger award.
3. What types of cases are funded by lawsuit pre-settlement funding companies?
A good lawsuit funding company would provide cash advances on mostly all types of cases. The most common types are listed in fact number 1.
4. Is good credit & employment necessary to obtain a Lawsuit loan?
No, the lawsuit funding or legal financing is not based on credit history, unless there is a pending bankruptcy. Applicant may have bad credit score and no employment.
5. Why don't I just get a bank loan?
Traditional financial institutions, including banks, do not generally lend solely on the merits of a lawsuit. They deem the practice of lawsuit finance or lawsuit funding as too risky.
6. (A) Is this a lawsuit loan?
No, this is not a loan. It is actually non-recourse lawsuit cash advance on the future value of your case. Unlike a loan, if you lose your case you owe nothing in return.
(B) Why is this not a loan?
Loans are repayable absolutely. A loan is type of financial aid which must be repaid, with interest. But lawsuit cash advance, legal finance or lawsuit funding is actually purchasing an interest in your settlement. So, if you lose your case, you do not owe the funding company anything.
7. Do I owe any up front out-of-pocket fees or costs? Are there any additional fees, such as monthly fees, involved?
Absolutely NO! A good lawsuit financing company should not charge any upfront fee or any application fee, processing fee or any monthly fee. There should be only a single fee for the lawsuit loan, based upon the length of time to settlement of your case. There will be a specific repayment amount, due and payable only after the case resolves itself successfully. And if the case is unsuccessful, there is no repayment required.
8. Will I have to sign any documents? Will my attorney be required to sign any documents?
Yes. You will need to sign an application and after you are approved for lawsuit loan, you and your attorney will sign the Funding Agreement.
9. How big an advance on my settlement can I get?
Lawsuit cash advances are generally limited to, from 10% to 15% of the projected case value. The minimum advance is $250 and the maximum amount available on a single case is one million dollars.
10. Is the defendant insurance company notified?
No, the only parties who know about the lawsuit funding transaction, are you (the plaintiff), your attorney handling your case, and lawsuit funding company.
11. How long does it take for me to get the funds?
If you are eligible you can have your approval decision within 72 hours after reviewing your case documents. Funding company will wire your approved lawsuit funds into your bank account or can Fed Ex your funds within 24 hours of receiving your signed Funding Agreement via fax from your attorney.
12. How is the lawsuit cash advance paid back?
The lawsuit loan is repaid out of the financial settlement award from the case. It is paid at the same time that the proceeds of the claim are paid out to you.
13. What happens if I lose my case?
You owe absolutely nothing in return! The lawsuit loan advanced to you is yours to keep.
14. (A) What can I use the money for?
Anything you like. It is your money. You pay your bills, mortgage and car payments. You can take care of education expenses of your children and pay your medical bills.
(B) What if I need more money later?
If you have not received all the money, lawsuit funding company may be able to provide you more cash advance on your case. You can make another request for additional settlement funding or pre-settlement funding at a later date.
15. Does the legal finance company get involved in my lawsuit case?
NO. They have no input or control in your case. They do not get involved in the attorney-client relationship. All management and decisions pertaining to your case are made by you and your attorney. They have no role in the pursuit of your case. They only involvement is to initially review your case papers, so they can evaluate the claim.
16. How will my attorney feel about me doing this?
Attorneys are sympathetic to the financial strain their clients can experience. In some states, attorneys are not permitted to assist clients financially, but they are allowed to assist in seeking third-party financing, such as plaintiff lawsuit finance or lawsuit funding.
You can apply for lawsuit funding without consulting your attorney first. However your attorney plays an important role in getting your lawsuit funding. Attorneys are typically eager to help a client obtain plaintiff funding because it may mean that a long legal proceeding won't end with the client having no choice other than to accept a low settlement offer. Applying for plaintiff funding does not interfere with the agreement between you and your attorney in any way.
17. Why my attorney can not lend me money?
The American Bar Association prohibits attorneys from lending money to clients for anything but case expenses. This prohibition exists to prevent a conflict of interest from arising between attorney and his client. If you owed your attorney money you might feel pressured to accept your attorney's advise to settle your case when you really did not want to accept the amount offered.
This would cause a conflict of interest because your attorney would now be your creditor. In fact, the American Bar Association expressly prohibits attorneys from loaning money to their clients for anything other then case-related expenses.
18. (A) Is this legal?
Yes. The claim or lawsuit is yours and you own it, just like you own a piece of property. After paying your attorney and medical liens (if applicable), the potential remaining money is yours. You may sell or assign it.
(B) Is the process to obtain lawsuit funding or lawsuit loan is confidential?
Yes the total process is confidential, private and quick. Underwriters take a look at your case documents and determine if they think you have a good chance of collecting on your claim. These are the same documents that your attorney prepared to fight your case. If they think your chances to win are good, they will offer you a cash advance.
About the Author
About the Author: Paul Sherman is a Legal Funding Consultant. He offers free, professional, and independent advice to plaintiffs (incl. business owners) involved in lawsuits & Attorneys. To apply for Lawsuit cash advance, Commercial Lawsuit funding, Law Firm loan, Attorney funding & Structured Settlement funding please visit: http://www.easylawsuitfunding.com
Legal Resources and Counsel
Resources for legal issues, legal reference, and more. Visit now for the very latest information.
Vanessa Mathews Family Lawyer
Vanessa Mathews specialises and acts exclusively in family and de facto law in Melbourne
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
The Secret to Wealth
Learn the Truth About The Secrets dvd and The Law of Attraction.
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
ExploreTheSecret.com
Explore The Secret DVD, The Secret Book, The Secret Audio Book, and The Secret Soundtrack.
Greek Law Firm
corporate tax law company
Wealth & Personal Development
Use a masterful business model, and mastermind with wealthy executives and entrepreneurs!
18 Guidelines, Every Plaintiff Must Know To Secure Lawsuit Cash Advance - Lawsuit Funding
Most of the plaintiffs involved in lawsuits do not realize they can get cash advance before their case settles. It is called as lawsuit funding and often referred as lawsuit loan, legal finance, legal financing, legal funding, legal funds, lawsuit cash advance, litigation financing, pre-settlement loan and plaintiff cash advance. The following 18 guidelines, every plaintiff must know about lawsuit loans and lawsuit cash advance. I hope these will help and guide them to take a knowledgeable and judicious decision while seeking a lawsuit funding or lawsuit loan.
1. Who is eligible for Lawsuit funding?
If you are a plaintiff, involved in any of following lawsuits (but not limited to), i.e.: personal injury, auto accident, malpractice (medical, legal, construction), employment discrimination, fraud, product liability, breach of contract, Mesothelioma, negligence, workers compensation, civil rights, class action, patent infringement, whistle blower (qui tam), workers compensation (not in all states), wrongful death, commercial litigation etc.; and if you are represented by an attorney, you may be eligible for a cash advance or legal financing on your pending settlement.
2. (A) How can I benefit from lawsuit funding?
Many plaintiffs are forced to accept a low offer due to the financial hardship they experience soon after their personal injury. A cash advance on your settlement will allow your attorney the time needed to get the full value for your case.
(B) How the lawsuit funding would help me get more money for my lawsuit case? The defendant, in order to save time and money and settle the case early, will offer you far less than what the case is really worth. If you need immediate financial help you may feel pressured to take an earlier (and often smaller) settlement. Lawsuit funding or so called lawsuit loan can ease your immediate financial needs and allow your attorney to continue to fight for a fair larger award.
3. What types of cases are funded by lawsuit pre-settlement funding companies?
A good lawsuit funding company would provide cash advances on mostly all types of cases. The most common types are listed in fact number 1.
4. Is good credit & employment necessary to obtain a Lawsuit loan?
No, the lawsuit funding or legal financing is not based on credit history, unless there is a pending bankruptcy. Applicant may have bad credit score and no employment.
5. Why don't I just get a bank loan?
Traditional financial institutions, including banks, do not generally lend solely on the merits of a lawsuit. They deem the practice of lawsuit finance or lawsuit funding as too risky.
6. (A) Is this a lawsuit loan?
No, this is not a loan. It is actually non-recourse lawsuit cash advance on the future value of your case. Unlike a loan, if you lose your case you owe nothing in return.
(B) Why is this not a loan?
Loans are repayable absolutely. A loan is type of financial aid which must be repaid, with interest. But lawsuit cash advance, legal finance or lawsuit funding is actually purchasing an interest in your settlement. So, if you lose your case, you do not owe the funding company anything.
7. Do I owe any up front out-of-pocket fees or costs? Are there any additional fees, such as monthly fees, involved?
Absolutely NO! A good lawsuit financing company should not charge any upfront fee or any application fee, processing fee or any monthly fee. There should be only a single fee for the lawsuit loan, based upon the length of time to settlement of your case. There will be a specific repayment amount, due and payable only after the case resolves itself successfully. And if the case is unsuccessful, there is no repayment required.
8. Will I have to sign any documents? Will my attorney be required to sign any documents?
Yes. You will need to sign an application and after you are approved for lawsuit loan, you and your attorney will sign the Funding Agreement.
9. How big an advance on my settlement can I get?
Lawsuit cash advances are generally limited to, from 10% to 15% of the projected case value. The minimum advance is $250 and the maximum amount available on a single case is one million dollars.
10. Is the defendant insurance company notified?
No, the only parties who know about the lawsuit funding transaction, are you (the plaintiff), your attorney handling your case, and lawsuit funding company.
11. How long does it take for me to get the funds?
If you are eligible you can have your approval decision within 72 hours after reviewing your case documents. Funding company will wire your approved lawsuit funds into your bank account or can Fed Ex your funds within 24 hours of receiving your signed Funding Agreement via fax from your attorney.
12. How is the lawsuit cash advance paid back?
The lawsuit loan is repaid out of the financial settlement award from the case. It is paid at the same time that the proceeds of the claim are paid out to you.
13. What happens if I lose my case?
You owe absolutely nothing in return! The lawsuit loan advanced to you is yours to keep.
14. (A) What can I use the money for?
Anything you like. It is your money. You pay your bills, mortgage and car payments. You can take care of education expenses of your children and pay your medical bills.
(B) What if I need more money later?
If you have not received all the money, lawsuit funding company may be able to provide you more cash advance on your case. You can make another request for additional settlement funding or pre-settlement funding at a later date.
15. Does the legal finance company get involved in my lawsuit case?
NO. They have no input or control in your case. They do not get involved in the attorney-client relationship. All management and decisions pertaining to your case are made by you and your attorney. They have no role in the pursuit of your case. They only involvement is to initially review your case papers, so they can evaluate the claim.
16. How will my attorney feel about me doing this?
Attorneys are sympathetic to the financial strain their clients can experience. In some states, attorneys are not permitted to assist clients financially, but they are allowed to assist in seeking third-party financing, such as plaintiff lawsuit finance or lawsuit funding.
You can apply for lawsuit funding without consulting your attorney first. However your attorney plays an important role in getting your lawsuit funding. Attorneys are typically eager to help a client obtain plaintiff funding because it may mean that a long legal proceeding won't end with the client having no choice other than to accept a low settlement offer. Applying for plaintiff funding does not interfere with the agreement between you and your attorney in any way.
17. Why my attorney can not lend me money?
The American Bar Association prohibits attorneys from lending money to clients for anything but case expenses. This prohibition exists to prevent a conflict of interest from arising between attorney and his client. If you owed your attorney money you might feel pressured to accept your attorney's advise to settle your case when you really did not want to accept the amount offered.
This would cause a conflict of interest because your attorney would now be your creditor. In fact, the American Bar Association expressly prohibits attorneys from loaning money to their clients for anything other then case-related expenses.
18. (A) Is this legal?
Yes. The claim or lawsuit is yours and you own it, just like you own a piece of property. After paying your attorney and medical liens (if applicable), the potential remaining money is yours. You may sell or assign it.
(B) Is the process to obtain lawsuit funding or lawsuit loan is confidential?
Yes the total process is confidential, private and quick. Underwriters take a look at your case documents and determine if they think you have a good chance of collecting on your claim. These are the same documents that your attorney prepared to fight your case. If they think your chances to win are good, they will offer you a cash advance.
About the Author
About the Author: Paul Sherman is a Legal Funding Consultant. He offers free, professional, and independent advice to plaintiffs (incl. business owners) involved in lawsuits & Attorneys. To apply for Lawsuit cash advance, Commercial Lawsuit funding, Law Firm loan, Attorney funding & Structured Settlement funding please visit: http://www.easylawsuitfunding.com
Legal Resources and Counsel
Resources for legal issues, legal reference, and more. Visit now for the very latest information.
Vanessa Mathews Family Lawyer
Vanessa Mathews specialises and acts exclusively in family and de facto law in Melbourne
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
The Secret to Wealth
Learn the Truth About The Secrets dvd and The Law of Attraction.
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
ExploreTheSecret.com
Explore The Secret DVD, The Secret Book, The Secret Audio Book, and The Secret Soundtrack.
Greek Law Firm
corporate tax law company
Wealth & Personal Development
Use a masterful business model, and mastermind with wealthy executives and entrepreneurs!
Friday, April 20, 2007
Guaranteed Car Lend
Low Interest Online Auto Loans
By Elizabeth Morgan
The Internet has opened up several avenues for auto loans and therefore, there are a number of Web sites that are coming up to make the auto loan process easier for people, especially by offering them loans at a low rate of interest. This way more people can opt for these loans. Once all the necessary and correct information is provided in an online auto loan application, an approval is more or less guaranteed. Before venturing into such deals, it is essential that the applicant makes all the required inquiry regarding the loan to avoid any trouble in the future.
When people have time to do so, it is advisable to compare various sites that offer low interest online auto loans to make sure they get the best deal. These websites contain all the necessary information about the auto loan such as its rate of interest, or the terms of the loan. Today, banks have Web sites and departments that are entirely devoted to processing online auto loan applications. Prior to applying for any online auto loan, it is essential to find out if the lending instituition is legal or not.
The rate of interest offered on auto loans depend on the market rates and the individual?s personal credit rating. There are Web sites that have information regarding the auto interest rates that are prevailing in the market. Online auto loans are available to people with various credit standings. Web sites offering auto loans with low interest rates even lend a hand to thousands of people with bad or poor credit record and help them get good online auto loan even after bankruptcy. Even if they have been turned down earlier for credit problems, they can apply for online low interest auto loans since the Internet auto loan programs change almost everyday. However, the likelihood that the loan will be approved at a low rate of interest is most if the individual?s credit record shows timely credit payments, constantly paid bills, and no bankruptcies. The Internet is a very good medium to get auto loans approved fast and at a low rate of interest irrespective of the applicant?s past credit record.
Online Auto Loans provides detailed information on Online Auto Loans, Bad Credit Online Auto Loans, Online Auto Loan Applications, Instant Online Auto Loans and more. Online Auto Loans is affiliated with Online Auto Loan.
Article Source: http://EzineArticles.com/?expert=Elizabeth_Morgan
http://EzineArticles.com/?Low-Interest-Online-Auto-Loans&id=408467
The Internet has opened up several avenues for auto loans and therefore, there are a number of Web sites that are coming up to make the auto loan process easier for people, especially by offering them loans at a low rate of interest. This way more people can opt for these loans. Once all the necessary and correct information is provided in an online auto loan application, an approval is more or less guaranteed. Before venturing into such deals, it is essential that the applicant makes all the required inquiry regarding the loan to avoid any trouble in the future.
By Elizabeth Morgan
The Internet has opened up several avenues for auto loans and therefore, there are a number of Web sites that are coming up to make the auto loan process easier for people, especially by offering them loans at a low rate of interest. This way more people can opt for these loans. Once all the necessary and correct information is provided in an online auto loan application, an approval is more or less guaranteed. Before venturing into such deals, it is essential that the applicant makes all the required inquiry regarding the loan to avoid any trouble in the future.
When people have time to do so, it is advisable to compare various sites that offer low interest online auto loans to make sure they get the best deal. These websites contain all the necessary information about the auto loan such as its rate of interest, or the terms of the loan. Today, banks have Web sites and departments that are entirely devoted to processing online auto loan applications. Prior to applying for any online auto loan, it is essential to find out if the lending instituition is legal or not.
The rate of interest offered on auto loans depend on the market rates and the individual?s personal credit rating. There are Web sites that have information regarding the auto interest rates that are prevailing in the market. Online auto loans are available to people with various credit standings. Web sites offering auto loans with low interest rates even lend a hand to thousands of people with bad or poor credit record and help them get good online auto loan even after bankruptcy. Even if they have been turned down earlier for credit problems, they can apply for online low interest auto loans since the Internet auto loan programs change almost everyday. However, the likelihood that the loan will be approved at a low rate of interest is most if the individual?s credit record shows timely credit payments, constantly paid bills, and no bankruptcies. The Internet is a very good medium to get auto loans approved fast and at a low rate of interest irrespective of the applicant?s past credit record.
Online Auto Loans provides detailed information on Online Auto Loans, Bad Credit Online Auto Loans, Online Auto Loan Applications, Instant Online Auto Loans and more. Online Auto Loans is affiliated with Online Auto Loan.
Article Source: http://EzineArticles.com/?expert=Elizabeth_Morgan
http://EzineArticles.com/?Low-Interest-Online-Auto-Loans&id=408467
The Internet has opened up several avenues for auto loans and therefore, there are a number of Web sites that are coming up to make the auto loan process easier for people, especially by offering them loans at a low rate of interest. This way more people can opt for these loans. Once all the necessary and correct information is provided in an online auto loan application, an approval is more or less guaranteed. Before venturing into such deals, it is essential that the applicant makes all the required inquiry regarding the loan to avoid any trouble in the future.
Thursday, April 19, 2007
Guaranteed Car Lend
18 Guidelines To Get Lawsuit Loan - Lawsuit Funding by Paul Sherman
18 Guidelines, Every Plaintiff Must Know To Secure Lawsuit Cash Advance - Lawsuit Funding
Most of the plaintiffs involved in lawsuits do not realize they can get cash advance before their case settles. It is called as lawsuit funding and often referred as lawsuit loan, legal finance, legal financing, legal funding, legal funds, lawsuit cash advance, litigation financing, pre-settlement loan and plaintiff cash advance. The following 18 guidelines, every plaintiff must know about lawsuit loans and lawsuit cash advance. I hope these will help and guide them to take a knowledgeable and judicious decision while seeking a lawsuit funding or lawsuit loan.
1. Who is eligible for Lawsuit funding?
If you are a plaintiff, involved in any of following lawsuits (but not limited to), i.e.: personal injury, auto accident, malpractice (medical, legal, construction), employment discrimination, fraud, product liability, breach of contract, Mesothelioma, negligence, workers compensation, civil rights, class action, patent infringement, whistle blower (qui tam), workers compensation (not in all states), wrongful death, commercial litigation etc.; and if you are represented by an attorney, you may be eligible for a cash advance or legal financing on your pending settlement.
2. (A) How can I benefit from lawsuit funding?
Many plaintiffs are forced to accept a low offer due to the financial hardship they experience soon after their personal injury. A cash advance on your settlement will allow your attorney the time needed to get the full value for your case.
(B) How the lawsuit funding would help me get more money for my lawsuit case? The defendant, in order to save time and money and settle the case early, will offer you far less than what the case is really worth. If you need immediate financial help you may feel pressured to take an earlier (and often smaller) settlement. Lawsuit funding or so called lawsuit loan can ease your immediate financial needs and allow your attorney to continue to fight for a fair larger award.
3. What types of cases are funded by lawsuit pre-settlement funding companies?
A good lawsuit funding company would provide cash advances on mostly all types of cases. The most common types are listed in fact number 1.
4. Is good credit & employment necessary to obtain a Lawsuit loan?
No, the lawsuit funding or legal financing is not based on credit history, unless there is a pending bankruptcy. Applicant may have bad credit score and no employment.
5. Why don't I just get a bank loan?
Traditional financial institutions, including banks, do not generally lend solely on the merits of a lawsuit. They deem the practice of lawsuit finance or lawsuit funding as too risky.
6. (A) Is this a lawsuit loan?
No, this is not a loan. It is actually non-recourse lawsuit cash advance on the future value of your case. Unlike a loan, if you lose your case you owe nothing in return.
(B) Why is this not a loan?
Loans are repayable absolutely. A loan is type of financial aid which must be repaid, with interest. But lawsuit cash advance, legal finance or lawsuit funding is actually purchasing an interest in your settlement. So, if you lose your case, you do not owe the funding company anything.
7. Do I owe any up front out-of-pocket fees or costs? Are there any additional fees, such as monthly fees, involved?
Absolutely NO! A good lawsuit financing company should not charge any upfront fee or any application fee, processing fee or any monthly fee. There should be only a single fee for the lawsuit loan, based upon the length of time to settlement of your case. There will be a specific repayment amount, due and payable only after the case resolves itself successfully. And if the case is unsuccessful, there is no repayment required.
8. Will I have to sign any documents? Will my attorney be required to sign any documents?
Yes. You will need to sign an application and after you are approved for lawsuit loan, you and your attorney will sign the Funding Agreement.
9. How big an advance on my settlement can I get?
Lawsuit cash advances are generally limited to, from 10% to 15% of the projected case value. The minimum advance is $250 and the maximum amount available on a single case is one million dollars.
10. Is the defendant insurance company notified?
No, the only parties who know about the lawsuit funding transaction, are you (the plaintiff), your attorney handling your case, and lawsuit funding company.
11. How long does it take for me to get the funds?
If you are eligible you can have your approval decision within 72 hours after reviewing your case documents. Funding company will wire your approved lawsuit funds into your bank account or can Fed Ex your funds within 24 hours of receiving your signed Funding Agreement via fax from your attorney.
12. How is the lawsuit cash advance paid back?
The lawsuit loan is repaid out of the financial settlement award from the case. It is paid at the same time that the proceeds of the claim are paid out to you.
13. What happens if I lose my case?
You owe absolutely nothing in return! The lawsuit loan advanced to you is yours to keep.
14. (A) What can I use the money for?
Anything you like. It is your money. You pay your bills, mortgage and car payments. You can take care of education expenses of your children and pay your medical bills.
(B) What if I need more money later?
If you have not received all the money, lawsuit funding company may be able to provide you more cash advance on your case. You can make another request for additional settlement funding or pre-settlement funding at a later date.
15. Does the legal finance company get involved in my lawsuit case?
NO. They have no input or control in your case. They do not get involved in the attorney-client relationship. All management and decisions pertaining to your case are made by you and your attorney. They have no role in the pursuit of your case. They only involvement is to initially review your case papers, so they can evaluate the claim.
16. How will my attorney feel about me doing this?
Attorneys are sympathetic to the financial strain their clients can experience. In some states, attorneys are not permitted to assist clients financially, but they are allowed to assist in seeking third-party financing, such as plaintiff lawsuit finance or lawsuit funding.
You can apply for lawsuit funding without consulting your attorney first. However your attorney plays an important role in getting your lawsuit funding. Attorneys are typically eager to help a client obtain plaintiff funding because it may mean that a long legal proceeding won't end with the client having no choice other than to accept a low settlement offer. Applying for plaintiff funding does not interfere with the agreement between you and your attorney in any way.
17. Why my attorney can not lend me money?
The American Bar Association prohibits attorneys from lending money to clients for anything but case expenses. This prohibition exists to prevent a conflict of interest from arising between attorney and his client. If you owed your attorney money you might feel pressured to accept your attorney's advise to settle your case when you really did not want to accept the amount offered.
This would cause a conflict of interest because your attorney would now be your creditor. In fact, the American Bar Association expressly prohibits attorneys from loaning money to their clients for anything other then case-related expenses.
18. (A) Is this legal?
Yes. The claim or lawsuit is yours and you own it, just like you own a piece of property. After paying your attorney and medical liens (if applicable), the potential remaining money is yours. You may sell or assign it.
(B) Is the process to obtain lawsuit funding or lawsuit loan is confidential?
Yes the total process is confidential, private and quick. Underwriters take a look at your case documents and determine if they think you have a good chance of collecting on your claim. These are the same documents that your attorney prepared to fight your case. If they think your chances to win are good, they will offer you a cash advance.
About the Author
About the Author: Paul Sherman is a Legal Funding Consultant. He offers free, professional, and independent advice to plaintiffs (incl. business owners) involved in lawsuits & Attorneys. To apply for Lawsuit cash advance, Commercial Lawsuit funding, Law Firm loan, Attorney funding & Structured Settlement funding please visit: http://www.easylawsuitfunding.com
Legal Resources and Counsel
Resources for legal issues, legal reference, and more. Visit now for the very latest information.
Vanessa Mathews Family Lawyer
Vanessa Mathews specialises and acts exclusively in family and de facto law in Melbourne
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
The Secret to Wealth
Learn the Truth About The Secrets dvd and The Law of Attraction.
Lawsuit & Settlement Loans
Fast contact response. Plaintiff, Commercial, or Law Firm funding. Fen Phen / Zyprexa ok.
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
online divorce forms
Complete do it yourself divorce forms. Receieve state specific online divorce forms
ExploreTheSecret.com
Explore The Secret DVD, The Secret Book, The Secret Audio Book, and The Secret Soundtrack.
Greek Law Firm
corporate tax law company
Wealth & Personal Development
Use a masterful business model, and mastermind with wealthy executives and entrepreneurs!
18 Guidelines, Every Plaintiff Must Know To Secure Lawsuit Cash Advance - Lawsuit Funding
Most of the plaintiffs involved in lawsuits do not realize they can get cash advance before their case settles. It is called as lawsuit funding and often referred as lawsuit loan, legal finance, legal financing, legal funding, legal funds, lawsuit cash advance, litigation financing, pre-settlement loan and plaintiff cash advance. The following 18 guidelines, every plaintiff must know about lawsuit loans and lawsuit cash advance. I hope these will help and guide them to take a knowledgeable and judicious decision while seeking a lawsuit funding or lawsuit loan.
1. Who is eligible for Lawsuit funding?
If you are a plaintiff, involved in any of following lawsuits (but not limited to), i.e.: personal injury, auto accident, malpractice (medical, legal, construction), employment discrimination, fraud, product liability, breach of contract, Mesothelioma, negligence, workers compensation, civil rights, class action, patent infringement, whistle blower (qui tam), workers compensation (not in all states), wrongful death, commercial litigation etc.; and if you are represented by an attorney, you may be eligible for a cash advance or legal financing on your pending settlement.
2. (A) How can I benefit from lawsuit funding?
Many plaintiffs are forced to accept a low offer due to the financial hardship they experience soon after their personal injury. A cash advance on your settlement will allow your attorney the time needed to get the full value for your case.
(B) How the lawsuit funding would help me get more money for my lawsuit case? The defendant, in order to save time and money and settle the case early, will offer you far less than what the case is really worth. If you need immediate financial help you may feel pressured to take an earlier (and often smaller) settlement. Lawsuit funding or so called lawsuit loan can ease your immediate financial needs and allow your attorney to continue to fight for a fair larger award.
3. What types of cases are funded by lawsuit pre-settlement funding companies?
A good lawsuit funding company would provide cash advances on mostly all types of cases. The most common types are listed in fact number 1.
4. Is good credit & employment necessary to obtain a Lawsuit loan?
No, the lawsuit funding or legal financing is not based on credit history, unless there is a pending bankruptcy. Applicant may have bad credit score and no employment.
5. Why don't I just get a bank loan?
Traditional financial institutions, including banks, do not generally lend solely on the merits of a lawsuit. They deem the practice of lawsuit finance or lawsuit funding as too risky.
6. (A) Is this a lawsuit loan?
No, this is not a loan. It is actually non-recourse lawsuit cash advance on the future value of your case. Unlike a loan, if you lose your case you owe nothing in return.
(B) Why is this not a loan?
Loans are repayable absolutely. A loan is type of financial aid which must be repaid, with interest. But lawsuit cash advance, legal finance or lawsuit funding is actually purchasing an interest in your settlement. So, if you lose your case, you do not owe the funding company anything.
7. Do I owe any up front out-of-pocket fees or costs? Are there any additional fees, such as monthly fees, involved?
Absolutely NO! A good lawsuit financing company should not charge any upfront fee or any application fee, processing fee or any monthly fee. There should be only a single fee for the lawsuit loan, based upon the length of time to settlement of your case. There will be a specific repayment amount, due and payable only after the case resolves itself successfully. And if the case is unsuccessful, there is no repayment required.
8. Will I have to sign any documents? Will my attorney be required to sign any documents?
Yes. You will need to sign an application and after you are approved for lawsuit loan, you and your attorney will sign the Funding Agreement.
9. How big an advance on my settlement can I get?
Lawsuit cash advances are generally limited to, from 10% to 15% of the projected case value. The minimum advance is $250 and the maximum amount available on a single case is one million dollars.
10. Is the defendant insurance company notified?
No, the only parties who know about the lawsuit funding transaction, are you (the plaintiff), your attorney handling your case, and lawsuit funding company.
11. How long does it take for me to get the funds?
If you are eligible you can have your approval decision within 72 hours after reviewing your case documents. Funding company will wire your approved lawsuit funds into your bank account or can Fed Ex your funds within 24 hours of receiving your signed Funding Agreement via fax from your attorney.
12. How is the lawsuit cash advance paid back?
The lawsuit loan is repaid out of the financial settlement award from the case. It is paid at the same time that the proceeds of the claim are paid out to you.
13. What happens if I lose my case?
You owe absolutely nothing in return! The lawsuit loan advanced to you is yours to keep.
14. (A) What can I use the money for?
Anything you like. It is your money. You pay your bills, mortgage and car payments. You can take care of education expenses of your children and pay your medical bills.
(B) What if I need more money later?
If you have not received all the money, lawsuit funding company may be able to provide you more cash advance on your case. You can make another request for additional settlement funding or pre-settlement funding at a later date.
15. Does the legal finance company get involved in my lawsuit case?
NO. They have no input or control in your case. They do not get involved in the attorney-client relationship. All management and decisions pertaining to your case are made by you and your attorney. They have no role in the pursuit of your case. They only involvement is to initially review your case papers, so they can evaluate the claim.
16. How will my attorney feel about me doing this?
Attorneys are sympathetic to the financial strain their clients can experience. In some states, attorneys are not permitted to assist clients financially, but they are allowed to assist in seeking third-party financing, such as plaintiff lawsuit finance or lawsuit funding.
You can apply for lawsuit funding without consulting your attorney first. However your attorney plays an important role in getting your lawsuit funding. Attorneys are typically eager to help a client obtain plaintiff funding because it may mean that a long legal proceeding won't end with the client having no choice other than to accept a low settlement offer. Applying for plaintiff funding does not interfere with the agreement between you and your attorney in any way.
17. Why my attorney can not lend me money?
The American Bar Association prohibits attorneys from lending money to clients for anything but case expenses. This prohibition exists to prevent a conflict of interest from arising between attorney and his client. If you owed your attorney money you might feel pressured to accept your attorney's advise to settle your case when you really did not want to accept the amount offered.
This would cause a conflict of interest because your attorney would now be your creditor. In fact, the American Bar Association expressly prohibits attorneys from loaning money to their clients for anything other then case-related expenses.
18. (A) Is this legal?
Yes. The claim or lawsuit is yours and you own it, just like you own a piece of property. After paying your attorney and medical liens (if applicable), the potential remaining money is yours. You may sell or assign it.
(B) Is the process to obtain lawsuit funding or lawsuit loan is confidential?
Yes the total process is confidential, private and quick. Underwriters take a look at your case documents and determine if they think you have a good chance of collecting on your claim. These are the same documents that your attorney prepared to fight your case. If they think your chances to win are good, they will offer you a cash advance.
About the Author
About the Author: Paul Sherman is a Legal Funding Consultant. He offers free, professional, and independent advice to plaintiffs (incl. business owners) involved in lawsuits & Attorneys. To apply for Lawsuit cash advance, Commercial Lawsuit funding, Law Firm loan, Attorney funding & Structured Settlement funding please visit: http://www.easylawsuitfunding.com
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Vanessa Mathews specialises and acts exclusively in family and de facto law in Melbourne
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Wednesday, April 18, 2007
Guaranteed Car Lend
Improve Gas Mileage Without Damaging Your Car
By Marilyn Pokorney
Many of the gas saving devices being advertised do not work
and can actually damage your vehicle.
After evaluating and testing more than 100 alleged gas- saving
devices, the Environmental Protection Agency has found only a
few that improve mileage and none that do so significantly.
The gas-saving products on the market seem to fall into clearly
defined categories. These include, but are not limited to:
air-bleed devices, vapor-bleed devices, liquid injection
devices, ignition devices, fuel line devices, mixture
enhancers, internal engine modification devices, fuels and fuel
additives, oils and oil additives, and driving habit modifiers.
The EPA evaluates or tests products to determine whether their
use will result in any measurable improvement to fuel economy.
However, the EPA cannot say what effect gas-saving products
will have on a vehicle over a long period of time. It is
possible that some products may harm the car or adversely
affect its performance.
For example, if an "air bleed" device actually adds significant
amounts of air to the air-and-fuel mixture, it may cause an
engine to misfire, a condition which greatly increases the
potential engine damage or mechanical failure. This is
especially likely to happen on cars manufactured between 1974
and 1982, because their carburetors are pre-set for a maximum
amount of air to be burned with the fuel. "Air-bleed" devices
will not work at all on many cars manufactured after 1982,
because these cars have "feedback" carburetors that
automatically adjust the air-and-fuel mixture rendering the
device useless.
Many ads feature glowing testimonials by satisfied customers.
There are too many variables that affect fuel consumption, such
as traffic, road and weather conditions, the car's condition and
overall maintenance, and the driving habits of the owner.
In one case a consumer sent a letter to a company praising its
gas-saving product. But what was not mentioned in the
advertisement was the fact that the consumers vehicle also had
an engine tune-up at the time the device was installed.
Some advertisers claim that the gas-saving device is approved
by the Federal government. No government agency endorses
gas-saving products for cars. The seller can only state that
the item has been tested by the EPA. If the advertiser claims
that the product has been tested by the EPA ask to see the
results or contact the EPA directly.
If you have already purchased a gas-saving product and you are
not satisfied, contact the manufacturer and ask for a refund.
An honest company offers a money-back guarantee. If you are not
satisfied with the company's response, contact your local or
state consumer protection agency or the Better Business Bureau.
Keeping your car in tip top condition is the best way to get
the best gas mileage your vehicle has to offer. Every vehicle
come with an owners manual. Read and follow what the
manufacturer recommends.
Three simple steps that will help improve gas mileage in all
vehicles:
Getting a tune-up.
Checking tire pressure.
Removing any excess weight from the car's trunk.
For over 20 more tips and one secret hint go to
http://www.apluswriting.net/gasmiles/gasmiles.htm
About the Author: Marilyn Pokorney Freelance writer of science,
nature, animals and the environment. Also loves crafts,
gardening, and reading. Website: http://www.apluswriting.net
Source: http://www.isnare.com
By Marilyn Pokorney
Many of the gas saving devices being advertised do not work
and can actually damage your vehicle.
After evaluating and testing more than 100 alleged gas- saving
devices, the Environmental Protection Agency has found only a
few that improve mileage and none that do so significantly.
The gas-saving products on the market seem to fall into clearly
defined categories. These include, but are not limited to:
air-bleed devices, vapor-bleed devices, liquid injection
devices, ignition devices, fuel line devices, mixture
enhancers, internal engine modification devices, fuels and fuel
additives, oils and oil additives, and driving habit modifiers.
The EPA evaluates or tests products to determine whether their
use will result in any measurable improvement to fuel economy.
However, the EPA cannot say what effect gas-saving products
will have on a vehicle over a long period of time. It is
possible that some products may harm the car or adversely
affect its performance.
For example, if an "air bleed" device actually adds significant
amounts of air to the air-and-fuel mixture, it may cause an
engine to misfire, a condition which greatly increases the
potential engine damage or mechanical failure. This is
especially likely to happen on cars manufactured between 1974
and 1982, because their carburetors are pre-set for a maximum
amount of air to be burned with the fuel. "Air-bleed" devices
will not work at all on many cars manufactured after 1982,
because these cars have "feedback" carburetors that
automatically adjust the air-and-fuel mixture rendering the
device useless.
Many ads feature glowing testimonials by satisfied customers.
There are too many variables that affect fuel consumption, such
as traffic, road and weather conditions, the car's condition and
overall maintenance, and the driving habits of the owner.
In one case a consumer sent a letter to a company praising its
gas-saving product. But what was not mentioned in the
advertisement was the fact that the consumers vehicle also had
an engine tune-up at the time the device was installed.
Some advertisers claim that the gas-saving device is approved
by the Federal government. No government agency endorses
gas-saving products for cars. The seller can only state that
the item has been tested by the EPA. If the advertiser claims
that the product has been tested by the EPA ask to see the
results or contact the EPA directly.
If you have already purchased a gas-saving product and you are
not satisfied, contact the manufacturer and ask for a refund.
An honest company offers a money-back guarantee. If you are not
satisfied with the company's response, contact your local or
state consumer protection agency or the Better Business Bureau.
Keeping your car in tip top condition is the best way to get
the best gas mileage your vehicle has to offer. Every vehicle
come with an owners manual. Read and follow what the
manufacturer recommends.
Three simple steps that will help improve gas mileage in all
vehicles:
Getting a tune-up.
Checking tire pressure.
Removing any excess weight from the car's trunk.
For over 20 more tips and one secret hint go to
http://www.apluswriting.net/gasmiles/gasmiles.htm
About the Author: Marilyn Pokorney Freelance writer of science,
nature, animals and the environment. Also loves crafts,
gardening, and reading. Website: http://www.apluswriting.net
Source: http://www.isnare.com
Tuesday, April 17, 2007
Guaranteed Car Lend
The Car That God Used
By Irvin Rozier
Ecclesiastes 3.1 "To every thing there is a season, and a time
to every purpose under the Heaven."
I had an old Pontiac that the Lord gave me in answer to prayer.
He moved on someone to buy it for me as I was walking at that
period of my journey with the Lord. I was glad to get that old
car and the old man who sold it to us was glad to get rid of it.
One thousand dollars let me drive it away. Shortly, the motor
went bad and had to be replaced. This gave me an opportunity
to talk to a man about his eternal destination (witnessing it's
called).
Well, after the motor was fixed, the transmission went bad. I
had a mechanic that I grew up with fix it for $300. There
again, I was moved on by the Spirit to witness to this man.
You see, his Mama had been praying for him for years, asking
the Lord to send someone by to talk to her son about Jesus. I
was the someone, and the Lord had arranged for my transmission
to quit so the door would be open.
About 28 days after he fixed the transmission, it went out
again. I was in town and the car rolled to a spot in front of
a house by the railroad tracks. I walked on home (about two
miles) and called the mechanic who had repaired the
transmission. I relayed my problem, and he said, "Okay, I'll
get the tow truck and go get it. Where is it located?" I told
him where it was (I had got the address number of the house
before I left the car). I heard a short pause and then he
said, "I live in that house." I had no idea he lived there; I
thought he lived by his shop which was about three miles away.
Well, he went to get the car and called me after he had fixed
it. He said, "There will be no charge as your 30 days warranty
is in effect. By the way, I can't believe where the car
stopped." I replied, "The Lord works in wonderful ways, his
wonders to perform."
A few months later, I took my daughter, Joy, to Hinesville to
pick up a friend she had met while going to school there. On
the way back, I heard a thunk, looked in my rearview mirror and
saw one of my tires rolling on down the highway. I pulled over
on the shoulder of the road, and told the girls to sit there
while I inspected the damage.
All the lug nuts had come loose which caused the tire to roll
away. I went looking for the tire but never found it.
Earlier, when I had looked in my rearview mirror, I saw a car
stop. I guess they picked up the tire. They must have needed
it worse than I did.
I walked up to a man's house, told him what had happened and
introduced myself. He knew my daddy and said over twenty years
ago, my daddy had prayed for him. God had set up this divine
appointment to remind me of the seeds my daddy had planted (He
had died in 1966 at the age of forty..he was a preacher). My
car had stopped at that exact location for a divine purpose.
He let me use his phone, and I called my mechanic. I said,
"It's me again. My tire rolled away." He paused and said,
"I'll get the tow truck and come and get you."
After he had replaced the tire and lug nuts, he tightened them
down securely and said, "That'll be $75." I paid him, told him
the Lord sure does work in mysterious ways, and said, under my
breath to the Lord, "Lord, this is getting to be expensive
witnessing!" The Lord replied, "I'm answering his Mama's
prayers by sending you by. I know I can trust you to tell him
what I tell you to tell him."
Two weeks later, the same tire became wobbly again. I took it
back to the mechanic and he said, "What now?" I replied, "The
lug nuts are loose again." He checked them and with a look of
shock said, "Someone put metric instead of standard lug nuts on
this wheel. Do you have any enemies?" I replied, "Yes, only
one...the Devil." As I spoke these words, I felt the witness
of the Holy Ghost and knew my mission had been accomplished. I
had planted seeds that needed to be planted, and God would give
the increase. I had some other problems with that old Pontiac,
but I never went back to see that particular mechanic. I
finally sold the old car for $100.
Hosea 14.9 "Who is wise, and he shall understand these things,
prudent, and he shall know them? For the ways of the Lord are
right, and the just shall walk in them: but the transgressors
shall fall therein."
These events with the Pontiac happened in 1989. The mechanic I
witnessed to now sings in a gospel singing group with his four
brothers. God gave the increase!
Irvin L. Rozier
About the Author: author of My Walk with the Lord,
www.selahbooks.com, preacher, retired US Army
Source: http://www.isnare.com
By Irvin Rozier
Ecclesiastes 3.1 "To every thing there is a season, and a time
to every purpose under the Heaven."
I had an old Pontiac that the Lord gave me in answer to prayer.
He moved on someone to buy it for me as I was walking at that
period of my journey with the Lord. I was glad to get that old
car and the old man who sold it to us was glad to get rid of it.
One thousand dollars let me drive it away. Shortly, the motor
went bad and had to be replaced. This gave me an opportunity
to talk to a man about his eternal destination (witnessing it's
called).
Well, after the motor was fixed, the transmission went bad. I
had a mechanic that I grew up with fix it for $300. There
again, I was moved on by the Spirit to witness to this man.
You see, his Mama had been praying for him for years, asking
the Lord to send someone by to talk to her son about Jesus. I
was the someone, and the Lord had arranged for my transmission
to quit so the door would be open.
About 28 days after he fixed the transmission, it went out
again. I was in town and the car rolled to a spot in front of
a house by the railroad tracks. I walked on home (about two
miles) and called the mechanic who had repaired the
transmission. I relayed my problem, and he said, "Okay, I'll
get the tow truck and go get it. Where is it located?" I told
him where it was (I had got the address number of the house
before I left the car). I heard a short pause and then he
said, "I live in that house." I had no idea he lived there; I
thought he lived by his shop which was about three miles away.
Well, he went to get the car and called me after he had fixed
it. He said, "There will be no charge as your 30 days warranty
is in effect. By the way, I can't believe where the car
stopped." I replied, "The Lord works in wonderful ways, his
wonders to perform."
A few months later, I took my daughter, Joy, to Hinesville to
pick up a friend she had met while going to school there. On
the way back, I heard a thunk, looked in my rearview mirror and
saw one of my tires rolling on down the highway. I pulled over
on the shoulder of the road, and told the girls to sit there
while I inspected the damage.
All the lug nuts had come loose which caused the tire to roll
away. I went looking for the tire but never found it.
Earlier, when I had looked in my rearview mirror, I saw a car
stop. I guess they picked up the tire. They must have needed
it worse than I did.
I walked up to a man's house, told him what had happened and
introduced myself. He knew my daddy and said over twenty years
ago, my daddy had prayed for him. God had set up this divine
appointment to remind me of the seeds my daddy had planted (He
had died in 1966 at the age of forty..he was a preacher). My
car had stopped at that exact location for a divine purpose.
He let me use his phone, and I called my mechanic. I said,
"It's me again. My tire rolled away." He paused and said,
"I'll get the tow truck and come and get you."
After he had replaced the tire and lug nuts, he tightened them
down securely and said, "That'll be $75." I paid him, told him
the Lord sure does work in mysterious ways, and said, under my
breath to the Lord, "Lord, this is getting to be expensive
witnessing!" The Lord replied, "I'm answering his Mama's
prayers by sending you by. I know I can trust you to tell him
what I tell you to tell him."
Two weeks later, the same tire became wobbly again. I took it
back to the mechanic and he said, "What now?" I replied, "The
lug nuts are loose again." He checked them and with a look of
shock said, "Someone put metric instead of standard lug nuts on
this wheel. Do you have any enemies?" I replied, "Yes, only
one...the Devil." As I spoke these words, I felt the witness
of the Holy Ghost and knew my mission had been accomplished. I
had planted seeds that needed to be planted, and God would give
the increase. I had some other problems with that old Pontiac,
but I never went back to see that particular mechanic. I
finally sold the old car for $100.
Hosea 14.9 "Who is wise, and he shall understand these things,
prudent, and he shall know them? For the ways of the Lord are
right, and the just shall walk in them: but the transgressors
shall fall therein."
These events with the Pontiac happened in 1989. The mechanic I
witnessed to now sings in a gospel singing group with his four
brothers. God gave the increase!
Irvin L. Rozier
About the Author: author of My Walk with the Lord,
www.selahbooks.com, preacher, retired US Army
Source: http://www.isnare.com
Monday, April 16, 2007
Guaranteed Car Lend
Do You Struggle to Get Business Credit Without a Personal Guarantee?
By Gregory Walding
Getting business credit can be a dificult thing to do. Lenders do not want to finance your venture if they don't believe you have a stake in the business. However, if you can overcome their doubts, you will be able to get separate credit in your business name. So, what do I have to offer?
I have started four businesses over the last 13 years. In that amount of time, you can learn a lot of lessons about business. One of the biggest is how to get credit for a business without my personal guarantee. From experience I know that having business debt on your personal record does make your debt to income ratio a sight to behold. Now, there is one thing I did learn about lenders.
Lenders want to lend money. It's the only way they make money for themself. But, they don't want to give away money. For a lender to have enough confidence in an individual or business to lend money, they need some type of assurance that they are going to receive their payments. Where do lenders get their data to make a decision?
Lenders use credit reporting agencies to check on the reputation of a business or individual to see what is their history of credit. they can't see into the future so their only measure of success is the past. The problem is that most businesses do not have a separate credit history. That's why the lenders insist on having a personal guarantee for their loans. Do you know where a lender gets their information about you or your business?
There are different credit reporting agencies for business and personal information. We know there are at least three for personal history, but in the business realm, there is one main organization that most lenders use, Dun and Bradstreet. For you to be successful in obtaining independent business credit, you must have an excellent credit rating with Dun and Bradstreet. And what is detemines a great credit rating and D&B?
They have a rating system with a range of 0 to 100, with 100 being the best possible score. Their system is based on the number of days late that payments are reported from their participating lenders. The score of 80 means that every payment is made on time. A score higher than 80 means you pay everything earlier than the due date with 100 meaning that you pay everything before it is even invoiced. A score below 80 means you have a few late payments and it goes down from there. Can you guess what score you need?
To be able to get separate credit, you will need a score of 75 or higher or lenders won't even consider you for a non-guaranteed loan. But, how do you build credit for your business?
There are steps that you can follow to get a acceptable score with Dun and Bradstreet. It begins with getting listed with D&B and getting creditors to report their experience about you to them. With enough history for your company, you should be able to get the credit you need to succeed. All you need to know is which companies will help you as you build your company's credit.
Greg Walding has written a report containing names, contacts, websites and phone numbers with concise steps to building business credit without a personal guarantee. It can be found at http://www.buildingmycredit.com/gettingcredit.htm
Article Source: http://EzineArticles.com/?expert=Gregory_Walding
http://EzineArticles.com/?Do-You-Struggle-to-Get-Business-Credit-Without-a-Personal-Guarantee?&id=141502
By Gregory Walding
Getting business credit can be a dificult thing to do. Lenders do not want to finance your venture if they don't believe you have a stake in the business. However, if you can overcome their doubts, you will be able to get separate credit in your business name. So, what do I have to offer?
I have started four businesses over the last 13 years. In that amount of time, you can learn a lot of lessons about business. One of the biggest is how to get credit for a business without my personal guarantee. From experience I know that having business debt on your personal record does make your debt to income ratio a sight to behold. Now, there is one thing I did learn about lenders.
Lenders want to lend money. It's the only way they make money for themself. But, they don't want to give away money. For a lender to have enough confidence in an individual or business to lend money, they need some type of assurance that they are going to receive their payments. Where do lenders get their data to make a decision?
Lenders use credit reporting agencies to check on the reputation of a business or individual to see what is their history of credit. they can't see into the future so their only measure of success is the past. The problem is that most businesses do not have a separate credit history. That's why the lenders insist on having a personal guarantee for their loans. Do you know where a lender gets their information about you or your business?
There are different credit reporting agencies for business and personal information. We know there are at least three for personal history, but in the business realm, there is one main organization that most lenders use, Dun and Bradstreet. For you to be successful in obtaining independent business credit, you must have an excellent credit rating with Dun and Bradstreet. And what is detemines a great credit rating and D&B?
They have a rating system with a range of 0 to 100, with 100 being the best possible score. Their system is based on the number of days late that payments are reported from their participating lenders. The score of 80 means that every payment is made on time. A score higher than 80 means you pay everything earlier than the due date with 100 meaning that you pay everything before it is even invoiced. A score below 80 means you have a few late payments and it goes down from there. Can you guess what score you need?
To be able to get separate credit, you will need a score of 75 or higher or lenders won't even consider you for a non-guaranteed loan. But, how do you build credit for your business?
There are steps that you can follow to get a acceptable score with Dun and Bradstreet. It begins with getting listed with D&B and getting creditors to report their experience about you to them. With enough history for your company, you should be able to get the credit you need to succeed. All you need to know is which companies will help you as you build your company's credit.
Greg Walding has written a report containing names, contacts, websites and phone numbers with concise steps to building business credit without a personal guarantee. It can be found at http://www.buildingmycredit.com/gettingcredit.htm
Article Source: http://EzineArticles.com/?expert=Gregory_Walding
http://EzineArticles.com/?Do-You-Struggle-to-Get-Business-Credit-Without-a-Personal-Guarantee?&id=141502
Saturday, April 14, 2007
Guaranteed Car Lend
Quick Cash Advance Loans
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
Friday, April 13, 2007
Guaranteed Car Lend
Military Personnel Can Get Special Bad Credit Loans!
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
Bad credit personal loans are loans designed for millions of Americans who have bad credit. There are always unforeseen reasons that cause bad credit ratings. The hesitation of many lenders to offer standard loans to these people has led to the increasing popularity of bad credit personal loans. Some lenders have specialized in lending to military personnel...
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
Bad credit personal loans are loans designed for millions of Americans who have bad credit. There are always unforeseen reasons that cause bad credit ratings. The hesitation of many lenders to offer standard loans to these people has led to the increasing popularity of bad credit personal loans. Some lenders have specialized in lending to military personnel...
Thursday, April 12, 2007
Guaranteed Car Lend
What's The Truth Behind Your Finances?
By Jay Ball
Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet. The staggering truth is that of these only 5% are genuinely financially free! You may well see lots of expensive cars driving on our roads and big houses inhabited by the seemingly wealthy, but these houses and cars are not yet paid for.
Never in our history has it been so easy to lend money. Banks and building societies are falling over backwards to lend us money. You can sign your life away to a 50-year mortgage these days if you choose! Banks and building societies are offering 125% mortgages to first time buyers and business is looking outwardly great.
The credit card companies also love today’s economy. You can borrow enough money on a credit card nowadays to buy a brand-new car! The loan companies are also cashing in on ignorant and naive individuals and this really concerns me. The advertisement marketplace is going wild on media adverts for consolidation loans. You know the type? “We will help you to consolidate all of your existing loans into one affordable monthly payment” They call this type of loan a HOME OWNERS loan. Yes you can consolidate all of your existing debts into one affordable monthly loan, but what do you call affordable? People are consolidating their present debts into one huge debt and loaning the money to repay this new debt. To actually repay this debt in full will take these people years. What’s more they’ve secured this loan on their one and only ASSET - their HOME!
These unfortunate people aren’t thinking about the future and their long-term future plans, they’re thinking about the immediate and present situation. In the meantime what happens when the interest rates begin to rise? The interest rates on a consolidation loan will take years to pay off and whilst you owe money to your lender you’re not secure at all because your consolidation loan is secured on your home.
What does this mean?
If you cannot pay your loan the Loan Company will TAKE YOUR HOME as payment!
The reason it is so easy to lend money at present is because the interest rates are so low. At the time of writing this web page our present government has set the base rate of lending so low that people are dangerously getting themselves into debt through their own ignorance towards the economy. What is really happening will become all too apparent in the next few years when the tide turns and the interest rates begins to rise sharply. If you’re not financially free or in control of your assets when the tide turns you will lose everything. History always repeats itself and sooner or later a recession will hit the world trading markets and all of those people who borrowed huge amounts of money to buy their big house and their BMW or Mercedes will be in big financial trouble.
Wait, it gets worse!
SHOCK – HORROR!
Once the tide turns the interest rates will saw and if you’re not secure your financial world will come crashing down. The mistake that people have made is to foolishly believe that their loan rates will remain the same, they won’t. Let me explain in simple terms to you my theory by giving to you a simple example:
If you have a current ‘interest only’ mortgage of say £100k and the interest rate applied is £5% your monthly payment will increase with the interest rate. What happens if the interest rate climbs to 10%? Your mortgage could double. In 1989 the interest rate sawed to 15%. If this happens (and it could) your present mortgage payments could treble! How will you survive financially?
Your mortgage payments could increase by 300% inside 12 months and any other loans you may have will also require payment. If your wage doesn’t allow sufficient funds to meet these demands than you will lose everything slowly and painfully. When the interest rates do begin to rise (and they will) the debt consolidation companies will cash in on you. Before you know it you could owe money for the rest of your life and if you can’t pay what you owe than your lender will take your car your home and the clothes off your back to meet their demands.
SO WHAT’S THE ANSWER?
My advice to you is to pay off your existing debts as quickly as possible. If you are driving around in a car that is financed by a finance company pay this loan off as quickly as possible. Contact the finance company and ask them for a final settlement figure. This way you’ll know exactly how much debt you’re in. If you can afford to settle your finance early than take advantage of this and settle immediately. This way you’ll own your car outright, you’ll have paid less in interest and you’ll have some equity if you need it. If you can’t afford to settle the finance at the present than check what interest rate you are currently paying and search around on the Internet or in the high street for a lower rate of interest. Whatever you do, don’t delay in taking control of your finances today.
Another mistake people make is to fall into the trap of ‘false economy’. They begin with the right intentions by searching for a lower rate of interest for their mortgage. What this means is that their monthly payments become lower. The mistake they make is to think they’ve got more money in their pocket. In affect this is a false economy. Instead of settling for more money in your pocket and still enduring a 10 year (or whatever) term loan ,why not use this extra money to increase payment on the capital of your loan?
This simple technique is called ‘Mortgage Acceleration’ The Banks and Building Societies know all about Mortgage Acceleration they just don’t mention it because it loses them lots of money in interest payments!
If you increase the capital payments of your mortgage every month you’re paying off the entire loan quicker. If you can shave 2 years off your loan you’ve not only shortened your mortgage by 2 years you’ll have saved yourself a packet in interest charges. A 25-year £50k mortgage repaid 16 years early could save you over £60k in interest! (dependant on the interest rate) Ask your Bank or Building Society about ‘Mortgage Acceleration’ and see the look of loss on their face!
Don’t settle for a lower rate of interest and extend your loan payments thinking that you’re saving money, you’re not. You are only extending your debt! You need to pay off this loan as quickly as possible whilst the interest rates are low. The longer you take to pay off your mortgage the more interest rate the Bank or Building Society will take from you. Whilst the interest rate is currently around 5% accelerate payment NOW and save even more money! Take advantage of the fact that if the interest rates are currently low than the amount of interest that you pay on top of your loan will be also low. If you can afford to increase payment whilst the rates of interest are low than I urge you take advantage of this immediately. If there is any way that you can accelerate your loan and pay it off early than I would strongly advise you to begin your financial organisation here and organise this today. A simple increase of £50 per month in mortgage payments will save you money in interest payments in the long run. Your first step to taking control of your financial world is to pay off all of your existing debts as quickly as possible. When you have no debts, you’ll be financially free and you’ll feel as if a huge weight has been lifted from your shoulders.
POSITIVE PLAN OF ACTION:
Contact the bank or building society that you have your mortgage with. Ask for a final settlement figure on your mortgage and also enquire into the current interest rate that you are paying. Chances are that if you’ve not checked the interest rate you are currently paying in the past 12 months than you could save yourself money immediately by choosing a better deal. There are currently plenty of lenders all willing to offer you competitive deals on your mortgage and I would advise you to check them all out before you commit yourself to one. A simple saving of 1% in interest can save you pounds every month. With this saving in interest payments, use this extra money to increase your capital payments. If you only manage to shave a year off the length of your mortgage it will be one less year that you are in debt and one year sooner to becoming financially independent.
Talking of your mortgage, if you currently have an Endowment policy running alongside your mortgage than investigate this policy thoroughly. Most endowment policies are useless in today’s interest market. What this means is that when your mortgage term ends there may be insufficient funds in your endowment policy to pay off what you owe to the lender. If this is true than your lender will be knocking on your door for this short fall. If you can’t afford to pay than you could lose your home after 25 years or more of payments! Recently I read that some Endowment policies were running a short fall of up to £13000! If this happens to you you’ll owe your lender £13k plus interest!
The smartest mortgage you can take is a straight ‘repayment’ mortgage. As well as paying the interest back to your lender you are also paying the capital off from the offset, therefore reducing the total amount you owe quicker. My advice is to accelerate your mortgage and pay it off as quickly as possible before the interest rates sky rocket and your payment doubles or even trebles. When the tide turns (and it will) you’ll be smiling in the content that you own your home and you own your car and nothing can take these away from you.
About The Author
Jay Ball is a leading business psychologist in the UK who is deeply passionate about his purpose in life - to teach as many individuals as possible how to free themselves of debt, misery and worry! He is the author of '10 simple seeds to success' and 'Believe & Achieve' as well as the MD for SUCCESS ACADEMY in the UK. Check out his website: www.successacademy.co.uk
info@successacademy.co.uk
Article Source: http://EzineArticles.com/?expert=Jay_Ball
http://EzineArticles.com/?Whats-The-Truth-Behind-Your-Finances?&id=31998
By Jay Ball
Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet. The staggering truth is that of these only 5% are genuinely financially free! You may well see lots of expensive cars driving on our roads and big houses inhabited by the seemingly wealthy, but these houses and cars are not yet paid for.
Never in our history has it been so easy to lend money. Banks and building societies are falling over backwards to lend us money. You can sign your life away to a 50-year mortgage these days if you choose! Banks and building societies are offering 125% mortgages to first time buyers and business is looking outwardly great.
The credit card companies also love today’s economy. You can borrow enough money on a credit card nowadays to buy a brand-new car! The loan companies are also cashing in on ignorant and naive individuals and this really concerns me. The advertisement marketplace is going wild on media adverts for consolidation loans. You know the type? “We will help you to consolidate all of your existing loans into one affordable monthly payment” They call this type of loan a HOME OWNERS loan. Yes you can consolidate all of your existing debts into one affordable monthly loan, but what do you call affordable? People are consolidating their present debts into one huge debt and loaning the money to repay this new debt. To actually repay this debt in full will take these people years. What’s more they’ve secured this loan on their one and only ASSET - their HOME!
These unfortunate people aren’t thinking about the future and their long-term future plans, they’re thinking about the immediate and present situation. In the meantime what happens when the interest rates begin to rise? The interest rates on a consolidation loan will take years to pay off and whilst you owe money to your lender you’re not secure at all because your consolidation loan is secured on your home.
What does this mean?
If you cannot pay your loan the Loan Company will TAKE YOUR HOME as payment!
The reason it is so easy to lend money at present is because the interest rates are so low. At the time of writing this web page our present government has set the base rate of lending so low that people are dangerously getting themselves into debt through their own ignorance towards the economy. What is really happening will become all too apparent in the next few years when the tide turns and the interest rates begins to rise sharply. If you’re not financially free or in control of your assets when the tide turns you will lose everything. History always repeats itself and sooner or later a recession will hit the world trading markets and all of those people who borrowed huge amounts of money to buy their big house and their BMW or Mercedes will be in big financial trouble.
Wait, it gets worse!
SHOCK – HORROR!
Once the tide turns the interest rates will saw and if you’re not secure your financial world will come crashing down. The mistake that people have made is to foolishly believe that their loan rates will remain the same, they won’t. Let me explain in simple terms to you my theory by giving to you a simple example:
If you have a current ‘interest only’ mortgage of say £100k and the interest rate applied is £5% your monthly payment will increase with the interest rate. What happens if the interest rate climbs to 10%? Your mortgage could double. In 1989 the interest rate sawed to 15%. If this happens (and it could) your present mortgage payments could treble! How will you survive financially?
Your mortgage payments could increase by 300% inside 12 months and any other loans you may have will also require payment. If your wage doesn’t allow sufficient funds to meet these demands than you will lose everything slowly and painfully. When the interest rates do begin to rise (and they will) the debt consolidation companies will cash in on you. Before you know it you could owe money for the rest of your life and if you can’t pay what you owe than your lender will take your car your home and the clothes off your back to meet their demands.
SO WHAT’S THE ANSWER?
My advice to you is to pay off your existing debts as quickly as possible. If you are driving around in a car that is financed by a finance company pay this loan off as quickly as possible. Contact the finance company and ask them for a final settlement figure. This way you’ll know exactly how much debt you’re in. If you can afford to settle your finance early than take advantage of this and settle immediately. This way you’ll own your car outright, you’ll have paid less in interest and you’ll have some equity if you need it. If you can’t afford to settle the finance at the present than check what interest rate you are currently paying and search around on the Internet or in the high street for a lower rate of interest. Whatever you do, don’t delay in taking control of your finances today.
Another mistake people make is to fall into the trap of ‘false economy’. They begin with the right intentions by searching for a lower rate of interest for their mortgage. What this means is that their monthly payments become lower. The mistake they make is to think they’ve got more money in their pocket. In affect this is a false economy. Instead of settling for more money in your pocket and still enduring a 10 year (or whatever) term loan ,why not use this extra money to increase payment on the capital of your loan?
This simple technique is called ‘Mortgage Acceleration’ The Banks and Building Societies know all about Mortgage Acceleration they just don’t mention it because it loses them lots of money in interest payments!
If you increase the capital payments of your mortgage every month you’re paying off the entire loan quicker. If you can shave 2 years off your loan you’ve not only shortened your mortgage by 2 years you’ll have saved yourself a packet in interest charges. A 25-year £50k mortgage repaid 16 years early could save you over £60k in interest! (dependant on the interest rate) Ask your Bank or Building Society about ‘Mortgage Acceleration’ and see the look of loss on their face!
Don’t settle for a lower rate of interest and extend your loan payments thinking that you’re saving money, you’re not. You are only extending your debt! You need to pay off this loan as quickly as possible whilst the interest rates are low. The longer you take to pay off your mortgage the more interest rate the Bank or Building Society will take from you. Whilst the interest rate is currently around 5% accelerate payment NOW and save even more money! Take advantage of the fact that if the interest rates are currently low than the amount of interest that you pay on top of your loan will be also low. If you can afford to increase payment whilst the rates of interest are low than I urge you take advantage of this immediately. If there is any way that you can accelerate your loan and pay it off early than I would strongly advise you to begin your financial organisation here and organise this today. A simple increase of £50 per month in mortgage payments will save you money in interest payments in the long run. Your first step to taking control of your financial world is to pay off all of your existing debts as quickly as possible. When you have no debts, you’ll be financially free and you’ll feel as if a huge weight has been lifted from your shoulders.
POSITIVE PLAN OF ACTION:
Contact the bank or building society that you have your mortgage with. Ask for a final settlement figure on your mortgage and also enquire into the current interest rate that you are paying. Chances are that if you’ve not checked the interest rate you are currently paying in the past 12 months than you could save yourself money immediately by choosing a better deal. There are currently plenty of lenders all willing to offer you competitive deals on your mortgage and I would advise you to check them all out before you commit yourself to one. A simple saving of 1% in interest can save you pounds every month. With this saving in interest payments, use this extra money to increase your capital payments. If you only manage to shave a year off the length of your mortgage it will be one less year that you are in debt and one year sooner to becoming financially independent.
Talking of your mortgage, if you currently have an Endowment policy running alongside your mortgage than investigate this policy thoroughly. Most endowment policies are useless in today’s interest market. What this means is that when your mortgage term ends there may be insufficient funds in your endowment policy to pay off what you owe to the lender. If this is true than your lender will be knocking on your door for this short fall. If you can’t afford to pay than you could lose your home after 25 years or more of payments! Recently I read that some Endowment policies were running a short fall of up to £13000! If this happens to you you’ll owe your lender £13k plus interest!
The smartest mortgage you can take is a straight ‘repayment’ mortgage. As well as paying the interest back to your lender you are also paying the capital off from the offset, therefore reducing the total amount you owe quicker. My advice is to accelerate your mortgage and pay it off as quickly as possible before the interest rates sky rocket and your payment doubles or even trebles. When the tide turns (and it will) you’ll be smiling in the content that you own your home and you own your car and nothing can take these away from you.
About The Author
Jay Ball is a leading business psychologist in the UK who is deeply passionate about his purpose in life - to teach as many individuals as possible how to free themselves of debt, misery and worry! He is the author of '10 simple seeds to success' and 'Believe & Achieve' as well as the MD for SUCCESS ACADEMY in the UK. Check out his website: www.successacademy.co.uk
info@successacademy.co.uk
Article Source: http://EzineArticles.com/?expert=Jay_Ball
http://EzineArticles.com/?Whats-The-Truth-Behind-Your-Finances?&id=31998
Wednesday, April 11, 2007
Guaranteed Car Lend
Military Personnel Can Get Special Bad Credit Loans!
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
Tuesday, April 10, 2007
Guaranteed Car Lend
Military Personnel Can Get Special Bad Credit Loans!
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
By Sarah Dinkins
There are different kinds of bad credit personal loans that are offered to different kinds of people. There are bad credit personal loans that are specifically designed for military personnel. Military staff that has bad credit (and doesn’t get approved for any other loan) finds bad credit personal loans to be the best source of funds.
There are many lenders who realize the importance of military personnel and their contribution towards the nation. They also understand that the members of the armed forces can also have bad credit. This is the reason why many of the lenders specialize in military bad credit personal loans. However, they also know that military personnel have a steady job and a reasonable income and thus, are a lower risk than other people who have bad credit.
Benefits of Active Duty
Military personnel with bad credit always wish to know if they are qualified for low interest rates under the Soldier’s and Sailor’s Relief Act. According to the Act, the service members who availed bad credit personal loans, before being called to active duty, are entitled to lower interest rates. The interest rate gets reduced almost by six percent. In case the loan has been availed through a private lender or a non-military lending service, the borrower or the military member can request the rate to be lowered and the lender is obliged to comply under certain circumstances.
It is important for the military personnel to be informed about the current military benefits. There are many FAQs that are posted on the Internet where the personnel can find information related to their special credit sources and benefits that they can avail. If bad credit personal loans are obtained through some specialized military lender, it is probable that the interest reduction has already been processed. These lenders usually lend only to personnel who are already on active duty so the lower interest rates are active from day one.
Repayment System
Military bad credit personal loans are a good way to help out the military personnel who have poor credit ratings. These loans are repaid through an automatic deduction system. Therefore, there is no risk of missed payments or late payments. Moreover, payments are recorded into the applicant’s credit history and improve the borrower’s credit score month after month.
Lately military bad credit personal loans are given out through allotment payments. The allotment payment method is an advantage for the lender because he is guaranteed the payment of the loan. The allotment system removes the payment of the loan from the borrower's military paycheck before any net income is distributed.
Online Application
The best thing about articles military bad credit personal loans is that they can be applied for online. The online accessibility gives freedom to the military personnel to apply for the loan from anywhere and the process is very simple and convenient. It also saves a lot of paperwork and provides the applicant with the funds in a shorter period of time.
Sarah Dinkins is an Expert Loan Consultant in the financial industry that helps people to repair their credit and get approved for home loans, unsecured personal loans, student loans, consolidation loans, car loans and other types of loans and financial products.
At http://www.badcreditfinancialexperts.com/article/ she is continually adding new finance articles useful for those in need of professional advice.
Article Source: http://EzineArticles.com/?expert=Sarah_Dinkins
http://EzineArticles.com/?Military-Personnel-Can-Get-Special-Bad-Credit-Loans!&id=342772
Monday, April 9, 2007
Guaranteed Car Lend
Quick Cash Advance Loans
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
By Jennifer Bailey
Immediate car repair, unexpected expense for children’s schooling, family emergency and overdue bills – these are just some of the problems that can bother you especially if you are short of cash at the moment. It is a good thing that a lot of lenders now offer quick cash advance loans for people who are in need of immediate cash like you.
How to qualify and apply for quick cash advance loan
Almost everyone qualifies for this type of loan since payday lenders approve loan applications not based on credit scores. However, if you want to apply for one, you have to see to it that you are 18 years old and above and currently employed, because most lenders do not lend money to people without employment. They also require a minimum monthly income and a verifiable savings or checking account.
If you will make your loan application online, you have to show your proof of employment such as paycheck stubs to be accompanied by a copy of your banking statement. Once they have verified the information, the lender will immediately deposit the cash advance into your bank account.
Compare lenders before applying
Even if it is very easy to secure quick cash advance loans, you still have to compare lenders before you apply for a loan in order to find the best option with reasonable terms and rates. While these may be beneficial for emergencies, these loans may involve many fees. Of course, you would not want to pay more than what your income can afford, so you really have to read the agreement and inquire about fees first before applying. Some of the things that you should look into are the interest rates, loan terms and repayment options.
Quick cash advance loans can bring you benefits if there is a vital and immediate need that you have to meet. However, you have to keep in mind that getting one is another obligation on your part so you have to carefully select the loan with the best rates and terms.
Quick Loans provides detailed information on Quick Bad Credit Loans, Quick Cash Advance Loans, Quick Cash Loans, Quick Loan Onlines and more. Quick Loans is affiliated with Guaranteed Fast Cash Loans.
Article Source: http://EzineArticles.com/?expert=Jennifer_Bailey
http://EzineArticles.com/?Quick-Cash-Advance-Loans&id=276634
Sunday, April 8, 2007
Guaranteed Car Lend
Low Fee Cash Advance Loans : Guaranteed Fast Cash
By Carrie Reeder
Getting your hands on emergency cash is difficult. If you live
paycheck-to-paycheck, you may be unable to pay an unforeseen expense. In this
case, you may benefit from a cash advance personal loan. Cash advance
loans offer guaranteed fast cash when you need it most � usually during
an emergency.
Apply Online for a Fast Cash Advance
Cash advance personal loan companies are located throughout the
country. In addition, you may apply for a loan through an online company.
Online companies are the easiest, and most convenient. Simply complete an
online loan application. The application will ask for details pertaining
to your employment, monthly income, and banking information.
How to Qualify for a Cash Advance Loan?
For the most part, everyone will qualify for a cash advance personal
loan. Approvals are not based on credit scores. Moreover, the loan
process is extremely quick. The speediness of cash advance loans is perfect
for those needing instant cash.
Although cash advance companies have lenient lending requirements, they
do require applicants to be employed. Cash advance companies will not
lend money to people without employment. Most companies also require a
minimum monthly income.
If applying for an online loan, you may need to show proof of
employment. Thus, the cash advance company may ask you to fax paycheck studs,
W-2's, etc. A copy of your banking statement should accompany this fax.
Once the information is verified, the company will deposit the cash
advance into your bank account.
Faxless cash advance loans are also available. In this case, you are
not asked to fax or provide documentation. Upon completing your online
application, the company will verify all information.
Choosing Your Cash Advance Lender
If you are in need of a quick cash advance loan, carefully select a
lender. While a cash advance is great for emergencies, these loans involve
many fees. Low-cost cash advance loans are available. However, you must
be willing to search for companies that advertise low fees.
When you get a cash advance, the lender will charge an upfront fee.
This fee varies. The more money you borrow, the higher the fee. If you are
unable to repay the loan by the due date, the lender will charge
additional fees. Before applying for a cash advance, carefully read the
agreement and inquire about fees. This way, you avoid paying triple, even
quadruple, your original loan amount.
See my recommended Cheap Cash Advance Loan companies online.
Carrie Reeder is the owner of ABC Loan Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
http://EzineArticles.com/?Low-Fee-Cash-Advance-Loans-:-Guaranteed-Fast-Cash&id=113790
By Carrie Reeder
Getting your hands on emergency cash is difficult. If you live
paycheck-to-paycheck, you may be unable to pay an unforeseen expense. In this
case, you may benefit from a cash advance personal loan. Cash advance
loans offer guaranteed fast cash when you need it most � usually during
an emergency.
Apply Online for a Fast Cash Advance
Cash advance personal loan companies are located throughout the
country. In addition, you may apply for a loan through an online company.
Online companies are the easiest, and most convenient. Simply complete an
online loan application. The application will ask for details pertaining
to your employment, monthly income, and banking information.
How to Qualify for a Cash Advance Loan?
For the most part, everyone will qualify for a cash advance personal
loan. Approvals are not based on credit scores. Moreover, the loan
process is extremely quick. The speediness of cash advance loans is perfect
for those needing instant cash.
Although cash advance companies have lenient lending requirements, they
do require applicants to be employed. Cash advance companies will not
lend money to people without employment. Most companies also require a
minimum monthly income.
If applying for an online loan, you may need to show proof of
employment. Thus, the cash advance company may ask you to fax paycheck studs,
W-2's, etc. A copy of your banking statement should accompany this fax.
Once the information is verified, the company will deposit the cash
advance into your bank account.
Faxless cash advance loans are also available. In this case, you are
not asked to fax or provide documentation. Upon completing your online
application, the company will verify all information.
Choosing Your Cash Advance Lender
If you are in need of a quick cash advance loan, carefully select a
lender. While a cash advance is great for emergencies, these loans involve
many fees. Low-cost cash advance loans are available. However, you must
be willing to search for companies that advertise low fees.
When you get a cash advance, the lender will charge an upfront fee.
This fee varies. The more money you borrow, the higher the fee. If you are
unable to repay the loan by the due date, the lender will charge
additional fees. Before applying for a cash advance, carefully read the
agreement and inquire about fees. This way, you avoid paying triple, even
quadruple, your original loan amount.
See my recommended Cheap Cash Advance Loan companies online.
Carrie Reeder is the owner of ABC Loan Guide.
Article Source: http://EzineArticles.com/?expert=Carrie_Reeder
http://EzineArticles.com/?Low-Fee-Cash-Advance-Loans-:-Guaranteed-Fast-Cash&id=113790
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