Understanding the development process of a stepfamily

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Apr 152024
 

Part of The Stepfamily Coach approach is having families see themselves as a team. To aid this I’ve developed The Stepfamily Development Model. The model breaks down into four parts: getting going, growing, flowing and glowing.

Understanding each of these areas alone will really help blend a family, ease the stress and find greater happiness within the family.

Let’s explore each of these areas.

Getting Going. This is the stage that two people fall in love. They want to spend as much time as possible together. They only see the good things about each other. The fact that children are involved hardly matters at this point as love conquers all! And this is a second chance and it’s going to be wonderful – a lovely partner and one big happy family.

In the background of this Getting Going stage the practicality is that the children will need a lot of guidance and direction from their parent. They will also need reassurance too so as to avoid feeling shut out. The new partner will also need lots of support and guidance on how to interact with the young people of the house.

This whole stage is littered with dreams and uncertainty with hardly anyone knowing what to do or how to act.

At this stage it’s ideal to plan, look ahead, discuss the future and all the what if’s and buts. Think about the reality of living together. Who will discipline who, what are acceptable standards amongst the children, etc.

At the Getting Going stage parents and their the new partner must be prepared to answer lots of questions: about relationships with the new people, about the other parent and how things are going to be now at home. You’ll need to answer questions around what they should call the new adult in the house. The children may well test the tolerance of the new adult and any new processes/systems may well be ignored.

Every adult I speak too in a stepfamily who is having difficulties tells me they wished they’d come to me sooner when they were planning blending families. They realise that discussing key things early would make life a lot easier later. As the old saying goes, failing to plan is just planning to fail.

Growing. The realities are beginning to really hit home. You’ve moved in together and are realising that you don’t agree with the way your partner disciplines their own children and even worse the way they discipline yours. You don’t see your children as much because your ex is resentful or your new partner is not getting along with them. There are arguments amongst the children and you and your partner are feeling the tension in your own relationship and in the relationship with the children.

Decisions can be hard to make within the family, as there are so many different needs to take into account. Each member of the family will attempt to establish themselves in relation to other new family members. At this stage the adults are likely to receive challenges from the children. There are still plenty of uncertainties but family members are becoming clearer and more confident.

This confidence can bring headaches. You may well find that siblings ‘gang’ up and cliques and divisions form. From older children there may be power struggles. The adults in the family need to really keep in mind what they want to achieve and avoid becoming caught up in/distracted by emotional issues. A good approach for adults here is to ask lots of questions to understand how people are thinking and feeling.

It’s during this stage that many families get stuck. There is lots of learning, lots of realization coming all at the same time and adults can, understandably, get overwhelmed with what to do with all this information. The thing is if something isn’t done with the information then rifts, arguments, irritations and conflict grow. This is where stepfamily life can be at it’s most stressful; leaving you feeling drained and very unhappy, at worse families break up … again.

If in this position, parents and/or partners can really reap rewards form seeking support and guidance through this difficult time. One way to is to get yourself a good Coach. Flexible and empowering, impartial and non-judgmental, having your own personal family coach is a really valuable way to get help.

Flowing. You’ve learnt how to communicate effectively. You appreciate that everyone is different and although you might not agree you can accept. You are in a settled routine and understand everyone’s needs and how to fulfil them.

This is the phase where family members begin to be able to make agreements and cooperate. Adults now find it easier work with the children. Everyone is now clear on their place in the family and feel accepted within that. Now adults move much more into consulting the whole family when making family decisions with an aim to gain everyone’s agreement. There is now a strong sense of being part of a family unit and everyone feels commitment to that group. As a family you talk issues over and hold in mind what would work better for everyone. There is general respect for adults and children alike and older children might share some of the leadership.

Glowing. You celebrate your differences. The children are well balanced and effectively balance their two homes. Everyone respects and appreciates each other.

The family members now have a clear vision and everyone knows clearly why they are doing what they are doing. The family has a shared vision and everyone interacts with little intervention from the adults. There is a real feel for working together and doing the best for the family and everyone makes most of their decisions based on their family values.

Sure, disagreements occur but now they are resolved positively and the family makes necessary changes. The family is able to work together, and individuals can sort out issues and challenges with relative ease. Family members look after each other. The family needs little direction from the adults and needs little instruction on how to behave and interact with each other. Family members might ask for help from the adults with personal and interpersonal development.

One strong, happy family!

It is natural for families to continue to cycle back to growing through the process to glowing regularly as the children grow and life evolves. The difference is next time the growing stage is a lot easier because you already have strong relationships, a deeper understanding and respect for each other and new tools and techniques to deal with what comes your way.

What stage of the cycle is your family?

Are you in the growing stage and fed up of it? Do you want to move more into the flow of stepfamily?

Or

Are you planning to move in together and blend your families? Do you want to make the transition as smooth and stress free as possible?

The Stepfamily Coach helps you build strong relationships and a happy home.
Wishing you a very happy month with your family.

Jo
www.TheStepfamilyCoach.com
© Jo Ball 2006

Take hold of your finances with consolidation debt rate

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Apr 142024
 

Consolidation debt rate is the rate of interest that a borrower is charged on a debt consolidation loan in order to get rid of multiple debts. The interest rate however varies from lender to lender.

Your credit score also determines the rate of interest charged on the loan. Credit score as rated by FICO is a three-digit rating that is based on your financial history. A credit score of 850 is considered as the best. A score of 600 and below is rated as poor and depicts that the person may have difficulty in obtaining credit. Therefore, one should take effective measures to improve the credit score. If the credit report contains certain unsolicited items, one should immediately report it to a credit rating agency and get it updated.

Borrowers with a bad credit history can also attain lower interest rates on the condition that they secure a collateral against debt consolidation loan. They have to ensure that the repayments are made on time else the lender can even seize the property.

Before going a debt consolidation way, the borrower needs to keep few things in mind. He must be aware of the rate prevalent in the market. The actual rate charged on the loan may be different as various other things are also considered in determining the interest rate. The employment history, current income, collateral placed and the repayment potential of the borrower is equally important in determining the rate of interest and monthly installments payable on the loan. Secondly, the repayment tenure must be small. Most of the borrowers believe that by extending the repayment term they lessen their burden. Though it spreads the loan amount over a longer period, it also increases the rate of the loan.

Consolidation debt rate quote can be collected from various lenders by simply filling in the loan application form. The loan quote collected will give an accurate idea of the terms and conditions offered on debt consolidation loan. The borrower can further use it to compare between several other loan deals offered by different lenders. Every detail given by the borrower in the loan application form is carefully considered to provide the best possible deal.

There are different lenders available in the financial market offering debt consolidation loans at competitive rates. Unlike traditional lenders such as banks and other financial institutions, online lenders are easily approachable and accessible. A little search through the Internet will help you gain knowledge of various loan-providing organizations at a stretch. The online method is more convenient and free of hassles. There is also the provision of online loan calculator that gives an estimate of the rate of interest and monthly installments payable on the loan. The borrower can also seek assistance from an online loan advisor on how to get the lowest rate.

Consolidating multiple debts at an affordable rate is now made possible for every borrower. So it is time to take control of your finances once again and improve your credit score.

Debt Management – How a Debt Consolidator Can Reduce Your Debt

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Apr 132024
 

Debt Management – How a Debt Consolidator Can Reduce Your Debt
A Debt consolidation program starts with evaluating your financial situation. This process involves an in depth analysis of your financial standing. That analysis will help you to evaluate whether it is better to file for bankruptcy or go for a debt consolidation program. A debt consolidation analysis will estimate the debtor’s potential savings through the program.When a deal is finalized with the debt consolidation company and the debtor. The next step is for one of the counselors to contact the creditors and work out a reduction in the interest rates and monthly payments at an amount that will be affordable to the debtor.Through negotiations with the creditors, the debt consolidation company usually reduces or eliminates the interest charged. The balance owed towards the creditors is reduced and they can give the debtor a reduction in even the principal amount.The Debt consolidation program will also help the debtors by inducing the creditors to stop the legal actions which they were taking against the debtor which means they can no more devour debtor’s income nor can they take the debtor to court. Also this starts bringing up the credit rating of the debtor because now the debtor is repaying the debts under the new agreement.With this method of debt relief, the debtor will no longer have to answer embarrassing phone calls from his creditors. The debtor will not receive any bills or pay the creditors directly. The debt consolidation program will directly take control over the creditors. The debtor will just need to pay the debt consolidation company a single amount every month according to the budget which was agreed upon with the debtors. So there is no need for any interaction with the creditors.Most of the time these systems are free to the debtor because the fees are paid by the creditors, since they would rather get something in return than lose all the money that the debtor owes them. Also, programs like this work for those with good or bad credit. It is a great solution for debt reduction to use a debt services company or consolidator that uses this method.

Detect Spyware and Adware and Remove It Without Spending a Dime

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Apr 122024
 

Adware and spyware have become a world-wide computer problem

from using the World Wide Web. They have turned into malware

because of their viral and extremely hostile behavior. Along

with the hazards of identity theft and deceit at hand on the

Internet, adware and spyware can be other than merely

irritating. Here are some methods to detect spyware and

adware and remove or merely avoid the adware and spyware and

not outlay a dime on the most recent anti-virus software,

such as Spyware Nuker.



1. USE Firefox. If you don’t use the Internet very much,

then maybe you don’t understand a good deal concerning

Firefox. All you need to comprehend is that it is a browser

that performs VERY nicely and has excellent security

protection.



2. DO NOT USE Microsoft Internet Explorer. Internet

Explorer is similar to Swiss cheese. It seems to have an

endless supply of security holes. Microsoft is ceaselessly

sending out patches to fix all the flaws in the Internet

Explorer 6.X and prior versions of the browser. Even though

it can be secured by adding to thesecurity it may give

away much of its functionality when set to highest security

when specific exploitable features are turned off.



3. Use a software or hardware firewall (not only Windows XP

Service Pack 2’s firewall). This may be thought to be

expensive and difficult to do but it is not. If you use a

DSL or broadband cable connection your Internet Service

Provider (ISP) may have issued you a DSL/Cable router that

has a a firewall included with it. All you need to do is

switch it on. This may force you to spend a few minutes to

read the instructions.



If your ISP did not deliver you a DSL or Cable broadband

router that includes a firewall you can shell out anywhere

from $20 -$60 (or occasionally even cheaper when it includes

a mail-in rebate) to get a router. If you use DSL you would

require a DSL router. If you use Cable broadband ISP you

would need a Cable Router. Brands such as Linksys have

already built in firewalls and a feature known as NAT,

Network Address Translation, which is extremely effective

because it hides your actual IP address from the Internet.

All routers are sold with directions on how to hook them up.

If you desire to maintain you computer security free, merely

use a free software firewall.



4. Detect Spyware and Adware using free Anti-spyware,

anti-adware software.

Lavasoft’s Adaware and Spybot Search & Destroy are two

superb methods of restoring your system for free.

Majorgeeks.com is a favorite and trustworthy freeware

website that has these and several additional outstanding

spyware/adware cleaning and malware preventing software

(including free downloadable firewalls).



The best approach is to use ALL of the options. Remaining

proactive by surfing using a suitable browser and obtaining

a firewall is critical, but it likewise helps to beware of

other good anti-adware/spyware applications. If you get hit

with a genuinely foul bit of malware that can not be cleaned

using Adaware or Spybot, dig up yourself a geek. There are

numerous big forums on the Internet committed to

accomplishing nothing but to detect spyware and adware and

remove them and other malware. In all likelihood if your

computer is contaminated with it, hundreds of others prior

to you have been contaminated and have previously figured

out how to get rid of the malware.

How To Use Bad Credit Debt Consolidation UK – Tips

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Apr 112024
 

Bad credit debt consolidation loans are the loans which are offered to people who have had a past of bad credit history. Bad credit history means that a borrower was somehow failed to meet the intended or scheduled repayment scheme that was to be followed. Thus this failing brought about a poor credit score – a credit score is a representation of a person’s financial credit worthiness. Depending on the profile a person with bad credit history may be a default, an arrear or a person who has filled for bankruptcy.

The principle on which the bad credit debt consolidation loans work is, in this loan all the accumulated debt that a person may have from different sources is organized under one head i.e. from a single creditor. This allows the borrower to concentrate on one single creditor and pay the loans of much easily than it originally seemed along with some other benefits. Bad Credit debt consolidation loans are also beneficial in other ways to borrowers. Like:

• Bad debt consolidation loans are always offered at lower interest rates than the average interest rate of all the previous debts.

• Some creditors are not professional enough to realize that a borrower may have a problem and do not understand the issue so a person gets organized and professional terms.

• While in the process you will find many other fringe benefits of taking a bad credit debt consolidation loan.

• A borrower can also choose between a secured bad credit debt consolidation and an unsecured bad credit debt consolidation. This allows people who have not been able to take loans because they do not have collateral to apply for these loans as well.

Before the people apply for bad credit debt consolidation loan they can use the following process which is intended to help them.

1. The borrower should first estimate all that is requirements and all the other finer details of the loan.

2. A person should try and use the free quotes that are made available by the creditors and choose one which suits the best.
3. A borrower should not rush for the loan in fact they should talk to few creditors and then choose the one which offers us the most favorable terms. In the meanwhile we can take the advice of the counselors as well.

By following these measures a borrower is likely to get a deal that is perfectly suitable.

In the end after all the steps have been taken and a decision to take a bad credit debt consolidation has been made all is left is for the borrower to do is to apply for the loan. That process is easy and can be done by applying on line or through a local creditor.

Prosperity networking system – Scam or an Innovative Business Opportunity

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Apr 102024
 

A conventional 9 to 6 job not providing enough income? Looking for the sources to earn an extra sum of money?


Now, the only way you can have an extra income is by doing a second job or by starting your own home business. There are many opportunities available in the market, which promote themselves as viable money making home business.


Prosperity Automated System is one such home based business. Prosperity network’s automated system actually generates hard cash profits for you. There are no false promises. If you have ever heard of it then you will surely admit that all the statements that convey the objective of the prosperity networking are not only lucrative to the ears but also the same when it is practiced in reality.


Prosperity network Inc should not be confused with Multi Level Marketing. In MLM you have to devote enormous time to advertise your business concept. You have to market the concept and highlight the same to your customers. You have to call the customers, do follow-up etc. You can hope to succeed only after you have developed a good down-line.


In Prosperity Automated System, you never have to fade these situations. As the name of the system itself suggests, its objective. It means a system where prosperity automatically comes to the doorstep of a person who is related to it. It’s a marketing platform where you can advertise your own set of products & services. The related functions of marketing, promotion & billing are all managed by the PAS network. It’s like having your own back office but without the associated hassles.


Any business that you start whether online or offline needs some investment. The same is true of the online prosperity network’s automated system. Here you make money when any people go to your website and buy your advertised product or service. The interesting part is you don’t have to put any effort to bring the customers to your website. All the marketing & promotional activities are looked after by the prosperity system network.


Prosperity Automated System automates all your work, so that business owners no longer have to deal with these kinds of inhibiting factors:

1. No in-home presentations

2. No hotel meetings

3. No out of town travel to seminars

4. Absolutely no selling, telling, sponsoring, convincing, contacting or follow ups

5. No chasing of friends, neighbors or family members

6. No cold calling

7. No 3-way or 4-way calls with an up line member

8. No sending countless marketing or follow up emails

The Prosperity Automated System is arguably the only company on the Internet which offers this degree of automation. Its future potential is massive for those who are patient and don’t expect to get rich overnight. Right now there are only a few hundred Associates in this young company so it is the best time to join.

The Prosperity System Network is so subtle, so innovative and clever it has unnoticed. I think this is done intentionally. No one is in a hurry. The Owner and the Associates want the company to grow slowly and methodically so it can resolve any issues that there may be in its development, before the surge to join takes hold. Sure enough it will happen.

The whole point of becoming your own boss and owning your own home based business is to free up your time for the things you want to do, and bring in additional income.

With Prosperity Networks automated system, these home business goals can be accomplished.

Why trade one set of chains for another? Home business owners are looking for freedom, and the use of automated marketing systems can provide that freedom and a lucrative income as well.

So, what are you waiting for? If you ever wanted an opportunity to change your life, then this is it. Join Prosperity Network’s Automated System and live a life of happiness & laughter.

Check out PAS on my websites. The first is my personal “landing” page http://www.innercircle.ws/. What you’ll read will open your eyes to the immense possibilities of this system which were earlier thought to be impossible. I know you will really like what you see. If you want Big Bucks in a hurry I have no advice for you.

The short break solution

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Apr 092024
 


Whether it is due to a dislike of rushing to make tight connecting flights, crowed airports or a simple fear of flying, increasing numbers of travellers simply don’t want to get fly long distances by airplane. International terrorism, bird flu, language barriers and the risk of getting ‘Delhi belly’ are also contributing to a boost in the UK domestic tourism industry with the market now estimated to be worth over £59 billion per annum.

Figures show that travellers who prefer making their trips within the UK rather than abroad, tend to journey more frequently but for shorter lengths of time, with the average period of a trip within the UK being just over 3 nights.

One possible explanation for the domestic short break trend is the powerful DINKY (Double Income No Kids Yet) demographic. With a high disposable income but perhaps not a great deal of free time due to heavy work commitments, the DINKY’s holiday of choice is the short break. Heading straight off on holiday after work is particularly appealing to a group who are looking to fit as much into a 2-3 day break as possible. They can also afford more than one holiday a year so dividing up their annual leave allocation into multiple short breaks is the perfect solution.

Home grown attractions such as Royal Ascot, Wimbledon Lawn Tennis, Henley Royal and the Edinburgh International Festival are just a few of the internationally renowned events keeping the domestic tourist here during the summer months.

Another potential reason for this reduced length stay is possibly due to the generally high prices charged for UK hotel rooms. The UK has one of the highest rates of VAT levied on accommodation in the EU; with only Denmark imposing higher rates. In addition a new ‘Bed Tax’ is being proposed as part of a series of Government tax reviews. This will mean an additional 10% tax could be added on top of the current 17.5% VAT making the UK the most heavily taxed holiday destination in Europe.

Whether it’s a shopping break to take advantage of the sales, a family theme park break with the kids, a luxury pampering break or a peaceful country break to simply escape the hustle and bustle of city living, it’s all within easy reach through the specialist online travel companies who are able to offer wide ranges in choice for short breaks including hotel accommodation at discounted rates. Using online travel companies such as Superbreak short breaks, who specialise in booking 2-5 star hotel accommodation throughout the UK, Europe and beyond, means it is possible to book theatre and event tickets and arrange accommodation in advance, whilst also saving money.

Once you’ve decided where you’re going on your short break there remains the mundane but highly recommended task of finding suitable travel insurance and the best price. This is where online sites offering financial comparison services such as Moneynet, come into their own and do the searching for you. Moneynet’s travel insurance quick quote finder asks you 3 simple questions (where, who and how long?) and then brings back numerous quotes within a matter of seconds. You simply need to select the quote most appropriate to your needs and buy! Let’s face it, the financial world is a vast and complicated place and most people are not properly equipped to quickly search through it all – so leave the hard work to them and enjoy a short break instead!

Recover Your Credit Standing With Bad Credit Commercial Loans

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Apr 082024
 

When I was saddled with debts I needed some cash urgently to invest into my business. I thought of taking a loan. But the bad credit incurred on me was a hindrance in borrowing money in the commercial market. I was overwhelmed with joy when a friend told me about bad credit commercial loans. I found a way to come out of my financial troubles.

Bad credit commercial loans are specially designed for the entrepreneurs who have witnessed the problem of arrears, defaults, County Court Judgment or bankruptcy. These people are denied the much needed money because of their bad credit history. Bad credit commercial loans have emerged as a remunerative force to help them regain their credit standing.

An entrepreneur can avail bad credit commercial loans as secured or unsecured. Secured loans necessitate the borrower to place a collateral. Any fixed asset such as machinery, invoices or any commercial property can be used to secure against the loan. Unsecured loans are not curtailed to collateral. Also, they are free from the risk of property repossession.

The lender of Bad credit commercial loans decides the loan amount on the basis of the credit score, income and repayment potential of the borrower. So, it is important to know your credit score. Credit score is given after a detailed study of the following-:

• Amount of credit incurred
• Employment history
• Late payments
• Length of residency at the present address
• Bankruptcy, charge off etc.

Credit score as given by FICO is a three digit numerical ranging from 340-850. A score of 600 and below is considered as bad and denounces you as a bad debtor. So the loan will carry a higher rate of interest. Therefore, the borrower of bad credit commercial loans is advised to follow credit repair steps. Obtain your credit report form a reputed credit rating agency. If you find any unsolicited debts in the credit report, you must immediately get it updated by a credit rating agency. Though, it will not eliminate bad debt completely but will help it improve gradually. If you place a high value collateral and promise to repay on time, there are lenders who can provide you loans at an affordable rate of interest.

Various online lenders are now endorsing Bad credit commercial loans. You just need to fill in a simple online loan application form. The lender will require few documents from the entrepreneur to gather information on the employment history, current income, length of residency etc. This will be helpful in hunting the best loan deal.

Enjoy the pleasure of consistent flow of cash. Bad credit commercial loans provide you enough money and help you retain the ownership of your business.

Fill Up The Financial Gaps With Commercial Secured Loans

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Apr 072024
 

Capital is the foundation of every business. The entrepreneur needs to have enough finances to run his business smoothly. Business always does not mean earning profits. You may have losses as well. The unpredictability in business necessitates the requirement of immediate cash. Commercial secured loans have been designed to help you out in these circumstances.

Commercial secured loans are tailored specifically for entrepreneurs who require funds for commercial purposes such starting a business or expanding the existing one. The amount drawn from commercial secured loans can be used for a variety of purposes like buying machinery, renovating premises, purchasing commercial buildings and much more.

Commercial needs vary from person to person depending upon the nature of business. Commercial Secured loan thus offer flexibility. They can be used for start up businesses, and small and large scale industries. The amount drawn from the loan ranges from £50,000 to £50,000,000. It however differs from lender to lender. It also takes into consideration the business profile, financial status, length of ownership, credit history etc. The entrepreneur is provided with repayment tenure of 12 months to 25 years.

One important feature of secured commercial loans is that these are attached to the clause of collateral. The commercial property, equipments, invoices or order books can be placed as collateral. The interest rate is comparatively lower than unsecured commercial loans. The monthly installments and rate of interest is decided at the beginning of the loan. This enables the borrower to plan effectively on how and when to repay the loan.

The commercial market is flooded with a number of lenders dealing in secured commercial loans. Many banks and financial institutions are ready to serve you. But theses lenders are considered to be conventional. They demand lot of efforts and time. You are sure to face hassles while dealing with such physical lenders.

In case you are looking for the most convenient deal, online lenders are the best option. A little search through the internet will make you aware of different online lenders. The loan seeker needs to fill in the hassle free online loan application form. The lender will contact you as soon as he finds an appropriate deal for you.

The entrepreneur has to be cautious while deciding the lender. Do not be in haste. Collect quotes from different lenders. Choose the lender who not only offers you the required services but also provides you the loan at a low rate of interest.

The loan provider will require certain documents so as to sanction the loan request at the earliest. If you are trying to start a new business, you need to discuss your business plan and how it will let you repay your loan. The lender would also ask for some necessary documents such as financial statements, balance sheets, profit and loss statements, salary of employees etc. This will help him to serve you the best deal.

Overcome your financial crisis with commercial secured loans. Meet the shortage of money and let your business flourish.

Cherish Your Life With The Help Of Provident Loans

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Apr 062024
 

Life is full of colours. One should cherish every aspect of life. If deficiency of money is disrupting your way to enjoy life to the fullest, provident loans are right at your disposal as the harbinger of happiness.

Provident loans are short-term loans that provide small amounts. The borrowers can draw money ranging from £50-£500. The repayment period is a shorter period of about 6 months. This enables the borrowers to manage their finances and plan budget for future. The interest rate charged on provident loans is not high like any other short-term loan. The borrower can avail the loan at reasonable rates.

Borrowers have to make a choice between secured and unsecured provident loans. Secured loans necessitate placing collateral. Gold and diamond jewellery can serve the purpose of collateral. These loans should be opted in case the borrower requires a higher amount. Unsecured loans do not prerequisite a collateral.

Provident loans benefit the borrower by providing a fast loan approval. In fact the loan request gets approved within 24 hours. This helps the borrower to make certain urgent purchases.

The borrower must not forget that the repayments have to be made on time. Failing to do so might result in the seizing of the property by the lender, if you have opted secured provident loans. It may also put a bad impact on your credit score.

Provident loans are capable of catering to the various requirements of the borrower. The loan amount can be used for making home improvements or extension, purchasing furniture, buying a dress and much more.

With provident loans the borrower does not necessarily has to draw loan amount in cash. You can take easy shop cards or shopping vouchers instead. Shopping vouchers are from a majority of retailers that make you purchase the product easily that you are looking for.

Bad debtors can also avail the benefits of provident loans. However, the interest rate charged will be slightly higher. Opting for the loan will help you pay the debts sooner and improve the credit score.

Variety of lenders offering provident loans are available in the market. Banks and financial institutions are common ones. But now with the advancements in science and technology, various lenders appear online. They have simplified the loan procedure. The online method of approaching lenders has put an end to the enormous paper work. It is free from hassles and inconvenience. You just need to fill in an online loan application form, which hardly takes a few seconds. The lender will be right at your doorstep to serve you the best deal.

Make life easier with provident loans. Scarcity of money can no longer be a hindrance to meet the basic necessities of life.

Mileage Credit Card – Strategies For Using Your Miles

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Apr 052024
 

A mileage credit card is practically identical to a frequent flyer credit card. Mileage cards gained popularity when the airlines companies, to gain customer loyalty and patronage, introduced mileage points on every flight that a customer would travel. Once a certain level of points is reached, they can be


redeemed for free travel to various destinations. Many airlines collaborated with credit card companies to offer these benefits on the mileage card Programs.





Partnerships between credit card companies and mileage cards allowed the credit card holder to convert their reward points into air miles, typically, at the rate of one mile for every dollar charged on the card. This encouraged customers to use the credit card frequently so that more miles could be


accumulated. The mileage cards in turn allowed customers to redeem points apart from air tickets for free hotel accommodations, car rentals and a host of other services.





Miles are equivalent to currency. Most of the times, customers accumulate many miles only to realize that it will not take them to the place they most wanted to go. A mileage credit card is very similar to a traditional credit card, but prudent use of mileage credit cards can maximize benefits. Consider the following pointers to decide on the use of those valuable accrued miles.





1) Flights – The best way to use your miles is for free flights. Using some extra miles, you can upgrade your tickets to get a business or first class luxury flight. To get maximum benefits use the miles for longer trips, not short ones.





2) Flight and Seat Upgrades – It is always better to exchange miles for upgrades on long distance international flights where comfort is a good value added perk due to the length of the journey. It is not a good idea to spend miles for upgrades on shorter flights (less than 4 hours). Sometimes, customers buy economy tickets and upgrade them by


spending miles.





3) Travel Itinerary – Certain mileage cards allow passengers to book open-jaw flights (fly into one city, return from another city or fly from destination A to B, depart from B to reach destination C). In an international routing, certain airlines might permit a stopover.





4) Hotel Accommodation – Airlines partner with hotels and provide accommodation benefits to members by exchanging miles. You can convert your miles for hotel stays and other services in the hotel.





5) Car Rentals – Car rental companies exchange miles to rent cars. It is recommended to research all of the partner services thoroughly in order to use miles most effectively.





6) Dining – Certain airline specific mileage cards allow members to exchange miles for restaurant vouchers or dining certificates. However, in order to properly evaluate the benefit of the redemption value, cardholders need to determine if the miles converted are really worth the credit received.





7) Cruises – Cruise trips can be booked by exchanging miles, though there could be minimum a miles requirement for this type of reward redemption.





8) Shopping – There are web sites that allow purchase items to be bought by exchanging miles. Customers can bid on these items. The choices may be limited and the value may be low. It is recommended to first calculate the value of the miles to determine if it is worth buying the item with miles.





9) Miscellaneous – Cardholders can often times buy magazine subscriptions and a host of other items with their earned miles as well. It is advisable, however, to use these options as a last resort, either when the miles are about to expire or there are very few miles left before the expiration date.





10) Bonus Mile Offers – If you need a few more miles to earn that much-awaited free trip, numerous sites list up-to-date bonus mile and purchase miles offers. Many of these offers do not require you to fly, but can still get you those extra miles to get your dream trip.





If all these methods fail, some mileage cards allow conversion of miles to points and then back to miles with a financially better carrier. However, there might be a charge for the conversion.





When using your mileage credit card, there are several factors to consider in order to earn that free or reduced trip. The timing of your travel booking (booking 6 months earlier has more chances of winning free seats), being flexible with your travel dates, including off season travel as well as weekday travel can get you the travel deal that you desire. However, it is recommended that cardholders research the reward programs in advance. More specifically, be aware of the eligibility of your accumulated miles on the mileage card. With certain airlines or websites, it may not be possible to use accumulated miles or earn any miles on special discounted fares or routes. Mileage cards offer great benefits to frequent as well as non-frequent travelers. However, if you want to get maximum benefits, it is essential to read the fine print and terms and conditions before actually signing up for one.

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