Bad Debt Personal Loan – low cost finance without debt worries

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May 092024
 

Those people, who are reeling under bad debt, may find it harder to get a loan in an easier manner and may have to face many enquiries from the lender. However an especially crafted bad debt personal loan can ensure a hurdle free loan of your requirement and without delay. Your bad debts are no at all an impediment in the way of availing bad debt personal loan.

Bad debts are those debts that have accumulated too much and due to higher interest rate on them, you are no more in a comfortable position to repay them easily. In such a situation you can have some more money in hand to clear debts and its installments if you take bad debt personal loan. One can say that bad debt personal loan enables you in paying off debts in time and escapes you from any financial disaster. And of course through bad debt personal loan, you can finish various other works also like home improvements, paying for medical or educational expenses etc.

Bad debt personal loan comes in secured or unsecured options. Secured bad debt personal loan is of lower interest rate and greater amount can be borrowed for larger convenient repayment duration. However for availing these advantages of secured bad debt personal loan, the borrower shall have to place his property like home as security of the loan with the lender. But you would be repaying the loan in time or in case of payment default the lender may repossess your home for recovering the loan. Secured bad debt personal loan is best suited for bad credit people also as on the back of security the lenders easily approve the loan.

If small amount is required as loan, and you have no property or do not wish risk property, then unsecured bad debt personal loan is well suited for you. However, lenders charge higher interest rate on unsecured bad debt personal loan. Smaller loan is approved for shorter repayment duration of few years. Unsecured bad debt personal loan is approved solely on repaying capacity of the borrower. so income and employment documents play key role.

You can source bad debt personal loan from online lenders for fast processing and approval. Ensure to compare various lenders for a better loan deal. Pay off the loan installments in time for escaping another debt and also for repairing your credit score.

Honest Riches…Is it Really Honest Money Making Guide?

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May 082024
 

Have you have ever dreamed of being financially secure, had enough money to splash out on a new car, or treat your family to a holiday somewhere nice?

In the world of internet marketing e-books, many names come to my mind. The Rich Jerk. Neil Shearing. OK, too many names are in my mind and I am not going to list them all.

The point is that there are many people out there writing How to make money guides for those that are new to marketing products on the internet, or Newbies. I recently found such a title from Holly Mann, of Thank You Rich Jerk .

Thank You Rich Jerk starts off with a short introduction to how Holly started her online venture. This introduction is a testimony to showing that willpower and positive state of mind can overcome difficult circumstances.

Here is a quick breakdown of the chapters in her book:

Chapter 1 Affiliate Marketing
Chapter 2 Product Reviews
Chapter 3 Website Design
Chapter 4 Improving Website Content
Chapter 5 Pay Per Click (PPC)
Chapter 6 Search Engine Optimization (SEO)
Chapter 7 Improving Website Ranking
Chapter 8 Website Stats and Tracking
Chapter 9 Using Lists and Automation
Chapter 10 Advertising Your Website
Chapter 11 Press Releases
Chapter 12 Dropshipping and Wholesalers
Chapter 13 EBay Advertising

With Thank You Rich Jerk , One has the opportunity to get a completely free professional business website; fully-loaded and setup by Holly and her web developers. The administration panel will do all of the work of setting up the website for us and getting it online and live.

One can have an easy-to-use Admin Panel which helps to add, edit and change all of the functions, features, links, text, photos and ads. It is FULLY Customizable in the administration panel.

Moreover we can also have over 88+ professionally designed website templates to choose from. With the click of a button, the entire sites design will change and that does not interfere with all of the text and links that are already present.

One thing that I liked about this course was that the author puts a lot of focus into free marketing techniques. She shows you how to build a website for free, and spends a good deal of time showing you free methods to get traffic to it.

All the basics of affiliate marketing , blogging, and SEO are all here as well as a chapter on drop shipping and wholesalers. Everything was explained pretty well in this e-book although you do get what you pay for.

Money Making Secrets Revealed is pretty basic. If you already have experience you are going to know a lot of whats in this course.

SPECIAL!!! Free SEO Article Marketing Guide with over 250 directories to submit to help gain high search engine ranking is included in the e-book.

Compared to the Rich Jerk e-Book, this book pays more attention to affiliate marketing, website design/content/stat tracking, and advertising. While it does not offer the variety of different methods to make money online, it does delve deeper into Affiliate Marketing and creating a web site of your own.

There are good and bad points to this. The good is that you get a tremendous amount of in-depth information as well as helpful links and tips.

The bad is that if you are looking for varied forms of income to make money online, this book focuses on fewer avenues while providing basic information and some helpful tips for other forms of online income. Moreover it Slightly US biased (only in the eBay wholesale section).

This is probably the best e-Book for anyone starting out trying to make money online. Before you invest in compartmentalized books about AdSense or AdWords, or Pay-per-click advertising, I suggest going through Hollys book with a fine toothed comb and gleaning as much information out as possible.

Put her information into practice and watch your business grow. In terms of bang for the buck, this is an exceptional deal. For $27, I am not sure there is a better investment one could make. As much as I liked The Rich Jerk e-Book, Hollys is step above and costs less.

In conclusion, Holly Manns e-Book contains excellent material, possibly better than The Rich Jerks. Like the Rich Jerks it cuts out all the filler, and leaves you with the facts.

The actual content is much the same The Rich Jerks, but is presented in an clear, and un obnoxious way.

I highly recommend “Thank You Rich Jerk”. And I must be one of THE most skeptical human beings alive. This young woman has really hit the nail on the head with this one.

Be warned however, this is not a get rich quick scheme (no such thing exists). Do not expect to read the book, and wake up a millionaire, it will act as a springboard for your ideas, which you can develop, using the strategies into working and profitable online businesses.

Understand Work Stress Burnout And Take Control Today

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May 072024
 

You may be experiencing the symptoms of work stress burnout even if you are as young as 25- 30 years of age, though most people affected are in their early 40’s.

Some people experience a sudden grief and loss, while others perceive that something is changing but it may take several years to manifest.

Are you feeling a lack of personal achievement and satisfaction at work? This is one of the early warning signs.
Is going to work a time-consuming drudgery and work itself a day-long bore?
Do frustration levels increase exponentially as you grapple with life issues – which could show that you are not in control?
If so, you’re not alone. You’re on the downhill slide to work stress burnout.

Don’t expect your spouse or boss to understand what you are going through, as burnout is extremely personal in nature – you’re having the crisis, not them! You may be led to blame your spouse or boss for the way you’re feeling, as they seem to be the closest source of your pain and angst.

However if your condition is true work place burnout then you will need professional help to shift your perceptions into a more realistic balance.

There are emotional and physical symptoms associated with what you are going through.

Emotional symptoms of stress at work…

The emotional symptoms usually show up as the first sign of burn out. You may often feel an unrelenting stress, lack enthusiasm, have a sense of loss of control as well as experience an unexplainable grief.

You may want to blame those around you for the way you feel, but this rarely resolves the inner turmoil that you are experiencing.

In severe cases of work stress burnout people experience thoughts of suicide, and even in mild cases the thought of total detachment through this means may seem to be a way out.

Many people who experience the emotional symptoms often show up at the doctor seeking help with a loss of spark in their personality. “Nothing I do is worth it anymore,” they say.

This feeling often results in a loss of productivity and creativity. It also fuels negativity and cynicism, with a quickness to get angry and blame others. Over time you may find solace in detaching yourself from others, however this rarely resolves the issue.

Physical Symptoms that accompany job stress…

Work stress burnout also affects your body. The feeling of “never being able to do enough” may drive you to work extensively long hours in an effort to catch up.

Physical exhaustion may take the form of headaches, physical shaking from head to foot, inability to think clearly and being unable to relax.

Physical exhaustion also causes you to lose your natural communication ability, so communication between your spouse and children, your boss or co-workers may sometimes become explosive.

There is also the possibility of experiencing gastrointestinal problems as your body is unable to cope with extensively long hours of work.

Is there a solution?

Yes there is. You need to gather information and make a lifestyle change. Here are 3 resources you can use:
1. The American Institute of Stress: Many studies have proven beyond any doubt that stress affects your mind AND body. This site is “Dedicated to Advancing Our Understanding of: (1)The Role of Stress in Health and Illness, (2) The Nature and Importance of Mind-Body Relationships, and (3) Our Inherent and Immense Potential for Self-Healing.” http://www.Stress.org
2. The Job Stress Network: Everybody gets stressed at work. Although there are many good methods for quick stress relief (see resource #1), sometimes it is important to get information on work stress in particular. This can help you cope with your job better. As stated on the website, “The purpose of this site is to bring together, for public dissemination, information about and related to Job Strain (specifically) and Work Stress (in general).” http://www.WorkHealth.org
3. Free 50 page report with stress relief tips and techniques: This site has not only free quality information on dealing with stress but several free online books which can help you set up proper mental attitudes to deal with stress. Take a peek at http://InstantStressManagement.com/stress.htm
You can add few simple tips for managing your work stress from the 50 page free report and in no time you will feel better.

Whatever you choose to do. Practice regularly and you will feel a major difference in your relationship with work and stress.

Balance Transfer Credit Card Rules

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May 062024
 

A balance transfer credit card aids in consolidating credit card debt and sometimes can also be a way of steering clear of the burden of debt. You will find as you are searching through all those credit card company offers you receive all the time that they are now offering balance transfers in a variety of ways. You will also notice they all these credit card companies are all competing for your business so the incentives are becoming more and more appealing all the time especially when it comes to credit card balance transfer offers.





The dream of most Americans is to have an interest free credit card all the time, not only during an introductory special. There are a few rules that you can use to ensure that you get the most out of a balance transfer.





Pay close attention to any balance transfer offers that you may find. They change all the time and you do not want to apply after they are no longer offering this special deal on Balance Transfers.





Watch that your credit card balance transfers are completed on time without any overlapping time from one credit card to another. You will find yourself paying a lot more in interest charges. When you are responding to banks and credit card companies by mail, remember to take in consideration the delay that normally happens with mail. The company must have time to receive your correspondence and then reply to you.





Are you going to have a balance transfer to a store card or a major credit card? You should pay attention to the APR on the credit card that you plan to place your balance transfer. Many store cards have a higher APR than major credit cards; choose a credit card for your balance transfer that has a low APR. The way in which you handle your credit card balance transfer can be practical and expedient, and can be a great way in which to evade extra credit card debt.





Always read the fine print. If you are applying for a 0 APR credit card then that is what you should be receiving, make sure the 0% includes your balance transfer and the length of time you have before the APR changes.





Do not apply with any company that you do not trust. You should be able to understand their terms and conditions, their rules regarding balance transfers, etc… If you have never heard of the company do your own investigating, never feel pressured to applying because you are afraid of missing a good thing, you may be in fact saving yourself some heartache and financial drawbacks.





Find out as much as you can about the company that you are applying with, are they quick with balance transfers and do they respond quickly with answers to your questions and information regarding your account.

Understanding Small Business Credit Cards

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May 052024
 

When you are searching for small business credit cards, you want to protect yourself from wasting money. Wasting money can have your business in bankruptcy in no time.





The major things you should search in a small business credit card are competitively low interest rates, generous credit lines, and of course, good customer service. You do not want a card with a high interest rate, particularly if you carry a balance on your credit card and do not have the time to sit on hold to talk with customer service if you have a problem with the card.





Do some investigating prior to applying for the card by calling customer service in advance. Be sure they are friendly and courteous. Ask them about how they handle late payments. You should try your best to find a small business credit card that is flexible especially if you are just starting out in your business.





While searching for small business credit cards, do not just look for those great introductory offers that may be a great deal for a few months only to lower the boom on you later. You may see that you can get a small business credit card with a 0% interest rate and even 0% balance transfers, however, this interest rate may only be good for the first three months and, more than likely, you will be charged a higher APR for purchases over and above your initial balance transfer. So be sure to read all the small print, including all of the terms and conditions prior to making your decision.





Some of the companies that are now offering small business credit cards have teamed up with other well-established retailers and merchants to give your business other great rewards and discounts on such items as office supplies or shipping costs.





Here are two wonderful credit card companies that offer some great things for small business credit cards. The American Express Business Gold Card has no annual fee for the first 12 months, no set spending limit, savings with leading merchant suppliers such as Hertz and FedEx. You can earn points that can be cashed in for rewards, manage your account online and car rental loss and damage insurance. In addition, the CitiBusiness Platinum Select Card offers a liberal credit line, low interest rate on purchases, free cards for employees, and free 24/7 concierge service.





The best resource for finding small business credit cards is by searching online. You should be able to find more than one website that compares all the major small business credit cards by interest rate, APR, rewards, balance transfers and more. This way you will be able to make an educated decision on which small business credit card is best for your company. The one thing to remember before applying for a small business credit card — be absolutely sure that you have read all of the card’s terms and conditions so that you may avoid any unpleasant financial surprises down the road.

Which Is the Best Airline Reward Card?

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May 042024
 

If you are a frequent traveller and an avid credit card user, getting an airline reward card can bring forth many special benefits. As each airline reward card has something different to offer, it is this disparity that customers should take full advantage of when using their card.


Airline reward cards usually allow you collect mileage points by charging ticket purchases to your card. Generally, a dollar earns you a mileage point. When you have collected 24000 mileage points, you can redeem a ‘free’ airline ticket to any destination within the United States. Apart from that, you can also collect points from making general purchases with your card like buying brand merchandize, eating at selected restaurants and even buying gas. Of course, the amount of points you can collect for each dollar you spend differs with each reward card. There are also cards that allow you to collect mileage for every mile you (and your companion, in some cases) have travelled. Furthermore, some cards immediately award you with a few thousand points the moment your card application has been approved.


Now, does it sound like it’s a little too easy to gain your mileage points? It makes you wonder if anyone will lose out on this deal apart from the company, until you realize just how hard it is to actually reach that 24000 mileage point mark. To make it even harder, certain airlines only allow you to redeem points and the free tickets from them or their airline partners. This will greatly limit your travelling freedom.


What’s more, some airlines predetermine particular travel periods when free ticket redemptions are not allowed. These periods are known as ‘blackout dates’ and usually coincides with peak travelling seasons. You still can fly but you won’t be travelling on a free ticket. Based on the notion that not all airline reward cards are equal, you as the consumer should exercise your right to pick the best airline reward card for all your travelling needs. If you are a well-planned spender, your mileage points may even get you free car rentals, hotel rooms or even a class upgrade in your next flight out.

Traveling with Young Children to Disneyland – 12 Things You Must Take With You

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May 032024
 

Unless you live right near Disneyland then when you organize your holiday, you
know that it means you are going to have to take into account how to get
there. There are two issues that you need to deal with. The first is
what transportation method you’ll use and the second is how you will keep your
young children amused on the way. There is no denying that traveling with
children is a whole new test of your parental ingenuity.

Do the
scout/girl guides thing and be prepared with backups and lots of
distractions. Who knows maybe by following these tried and true tips
you’ll arrive triumphant at the other end…OK, maybe not triumphant but perhaps
you’ll manage to keep your cool the whole way and that is something!

Here
are 12 things you need to carry with you and not in the trunk or luggage
hold:

1. A change of clothes for each child and socks (it can get
cold on airplanes and the socks provided don’t come in any size other than
big).

2. Extra clothes for you in case of
spills.

3. Tissues (can you ever have too many where young children
are concerned?), a few empty plastic bags (to contain any smelly nappies and
dirty clothes) and a face washer. Take a Ziploc bag for the face washer so
that when it’s wet, not everything else in your bag gets
damp.
4. Variety of snack food (cereal, sultanas, crackers, fruit etc)
in Ziploc bags. If you’re on a plane, the food never comes quickly or
often enough and if you’re in a car, you can guarantee a child will be hungry 15
minutes after you departed.

5. Drink bottles – disposables are handy
but sometimes having the comfort of a familiar drink bottle makes it worth
taking your child’s with you. It depends a bit on the child and how adept
they are at drinking from a regular bottle.

6. A new toy for
each child – something they haven’t seen before and won’t see until you get
going and they start to get restless. Make it something that isn’t noisy,
doesn’t take batteries (or if it does, take some spares), that they can interact
with, that doesn’t require your involvement to put it back together if it falls
apart and that isn’t made up of a million pieces that can get lost down the back
of the seat. A tall order I know but I can tell you from experience that
it’s worth spending a bit of time choosing something that fits the
bill.

7. A couple of books, preferably one or two new ones.

8. Balloons – they don’t take up much space and are perfect for
that transit stop that seems to take forever. There is nothing like a
child chasing a balloon to make everyone feel that bit better and lighter about
life. The other thing to do with balloons is to blow them up and then let
the air out slowly with the opening directed at the child. My children
love this. They squint and turn their faces away and then double up with
laughter and shout ‘more, more’. Again this may require a bit of
discretion because the noise of an exhaling balloon can be loud and well,
unbecoming.

9. Bubble mix – another space saver that works a
charm. Best saved for outdoors.

10. Drugs. I’m going to
get controversial here as I know this isn’t a choice everyone is comfortable
with but drugs to help children sleep, especially on long haul flights, can be
an absolute lifesaver – for you and the child. Taking children across many
time zones in a steel capsule with an uncomfortable chair for a bed isn’t their
choice for a good night’s sleep, so make it easier for them by helping them to
get some rest. It means you will all arrive in better shape.

11. A favourite toy or sleep buddy (preferably something small) can
be an enormous comfort to an over-tired or stressed child.

12. And lastly don’t forget to take something to read for
yourself. You never know they may sleep or watch a movie and you could be
left wondering what to do with yourself. Nothing too ambitious or
bulky. A magazine or short story should do the trick. Check out
www.espressofiction.com for great short stories.

What should you put it
all in? If you have to do any walking, a daypack is best because it won’t
slip off your shoulders, leaves both hands free and has lots of compartments so
you can find things, like your wallet, in a hurry.

If this list sounds
like a lot to you, believe me when I say that being prepared can make all the
difference between a never-ending ordeal and an unusual, possibly pleasurable
way to pass time.

Happy traveling!

Are Affiliate Programs Good Business Opportunities?

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May 022024
 

Affiliate programs are great business opportunities, as well as a great business idea. Here’s the scoop. You join an affiliate company and they give you a unique URL called an, “Affiliate Link,” that only you have. When people click on your affiliate link it not only takes them to your affiliate website but it also alerts the affiliate company that you directed this person to their website. Now if that person makes a purchase you will be paid a commission as a reward for generating business for that company. Commissions can be as high as 75%! Does that sound exciting to you? If so read on!

How can you find an affiliate program? There are literally 1000’s of websites eager for new affiliates. One way is to do a search for, “affiliate programs” using a search engine such as Google. Another way is to join ClickBank. ClickBank works with 100’s of affiliate companies. After you join ClickBank, You then choose from a list affiliates ClickBank is affiliated with. You then promote an affiliate link that is a combination of ClickBank’s and whatever affiliate site you are promoting. ClickBank then pays you instead of the company you are an affiliate for. You can also find a link usually labeled, “affiliates” on websites that have affiliate programs. You will usually find this link at the very bottom of the homepage in very small text size.

Depending on which Affiliate program you join they will pay you weekly, biweekly, monthly or bimonthly but most often biweekly or monthly. They will usually give you the option of how you will get paid via company check or Electronic Bank Transfer. I prefer Electronic Bank Transfer because payment is immediate and you don’t have to worry about your check getting lost or stolen.

The greatest thing about running an affiliate business in my opinion is this. When you run a business, any business whether it is internet based or not, you must deal with a host of things including, but not limited to, inventory, storage, packing, shipping, complaints, returns, phone calls, emails, checks and credit cards just to name a few. When you’re an affiliate, “they” take care of all of that for you! Your only job is to advertise for them. Once you have directed someone to your affiliate website via your affiliate link your job is done. They will take over from there. What could be a sweeter deal?!

Advertising your affiliate link can be accomplished in a number of different ways. Google AdWords is one way. Article submission is another way. There are 1000’s of Article submission sites where you can submit your articles to for free. As an example you can check out, IdeaMarketers. Click on the link at the upper right part of their homepage entitled, “Learn How This Site Works.” There are a number of ways you can find other article submission sites far too numerous to approach here, so I will only say that one way is to do a search using any search engine and typing in, “Article Submission Sites.” Another way to allow your affiliate link to be made known to the world is through discussion forums. One of the best out there is the AssociatePrograms.com forum. Discussion forums allow you to attach a signature file to the bottom of all your posts, where you may include your affiliate link.

All right. We’ve discussed all of the exciting aspects to joining an affiliate program like receiving commissions as high as 75%, not having to deal with inventory, storage, packing, shipping, complaints, returns, phone calls, emails, checks or credit cards etc., getting paid most often biweekly or monthly and usually having your choice of payment via check or Electronic Bank Transfer. We also discussed, how to advertise your affiliate link using little or no money. Now it is up you. Dose having an affiliate business sound good to you? If so find, join, and promote your affiliate business and/or businesses using the techniques discussed here. And remember, affiliate programs are fabulous business opportunities as well as a great business idea!

Get Quick Cash With Payday Loans UK

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May 012024
 

Every now then what happens is that no matter how intelligent or how rich a person is, a situation is always liable to come up that catches us a little short of money.
These situations can be very irritating and sometimes very difficult to deal with. Some of the examples of such situations are

• A medical bill comes up that was not expected
• An unexpected car bill
• Various grocery bills
• Utility bills
• Buying something which was not planned in advance for e.g. from a sale

A proper and a hassle free to deal with situations like this is to take a Payday Loans also known by other names these loans provide you with the opportunity to bridge that the gap between two pay cheques or just cash shortage because of any reason. These expenses if not dealt with properly can further accrue into a sum much bigger than now.

Applying for the payday loans is easy all the borrower needs to do is to evaluate his situation and apply to a creditor online. The borrower will be required to fill his personal details and if your conditions match the loan will be approved in next 24 – 48 hours. Repayment of these loans is done within a week to a fortnight with the term extendable to a month.

Other features of the payday loans are:
• A loan amount of £200 to £1500 can be arranged
• Interest rates are on the higher side
• Loans are approved very quickly
• No problem of bad credit and therefore no credit checks required
• Minimum or no paper work required
• Easy for every one to apply.
• Financial information of the borrower is kept confidential

With all those features available on top of the need payday loans area better way to tackle the problems rather than letting the thing go on or even try to break your savings account.

After you have made up your mind that you are going ahead with the payday loans you must check that you fulfill the criteria for taking a payday loan. The criterion is that the borrower should;

• Be a UK citizen
• Should be at least 18 years of age
• Should have a minimum earning of £800 a month
• Should have a current and checking bank account

After all the formalities have been done all that is left to be done is an application for the payday loans.

It is not necessary that everyone has liquid cash but the needs do not know that, that is why it is sometimes important to take payday loans and there is no harm in taking the payday loans as with the loan terms available it is as if we are using our money.

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