Unsecured Loans: The Lesser Known Sibling Of Secured Loans

Author : Aditya Thakur
What is man’s greatest invention?Some of the latest gizmos would immediately crop up in our minds as the most probable of the answers. But do these gizmos really deserve the veneration that they receive. True, they have revolutionized lives. But they have been characterized with impermanence. Another new invention and the earlier invention is nowhere to be seen.One invention of man which has withstood the challenges of time is a home. The earlier users of home might have constructed it just for shelter purposes. But it has assumed new roles in a person’s life. Besides providing shelter, it has become an indispensable status symbol. Home has continued adopting new fashions and styles, and thus still holds the same esteemed position that it held in the primitive ages.People revere their houses, and would think twice before taking any step which imperils its existence. Since secured loans entail keeping home as collateral, most people who value their houses would dread taking the loan. A single default may lead to ones house being repossessed. And with this all dreams which the customer and his/ her spouse may have dreamt with their home as a scenic backdrop fades forever.This single fact has led a large number of people, including those who do not have the luxury of homes, to look for different options, in spite of secured loans offering a much better rate of interest.“All that is gold does not glitter; not all those that wander are lost”. So said J.R.R.Tolkien, an English novelist and scholar. Going by the logic it would be unprofessional to not cater to the vast population who do not want to keep their homes to any kind of obligation, or who do not have a home in the first place, on the grounds that they can cause default in payments.To fill up this vacuum and to cater to this vast population which was till yet unsatisfied or was debarred from the credit process at the very initial stages because of the absence of home, the concept of unsecured loans was launched.So what is an unsecured loan? An Unsecured loan is a loan for those who do not take a secured loan. The lender provides the loan without having to keep any collateral.
The loan provider in this case has more risk to bear. He doesn’t have the cushion of home or property to meet the contingencies like constant default. So he would counter it through a higher rate of interest. But customers who desire to keep their homes safe will bear the high interest rate without flinching. The interest rates may be slightly higher than what is charged for secured loans. One doesn’t have to rely on the high street lenders who charge a very high rate. There are many reputable lenders who may offer the most desired terms.Unsecured loans are very fast in being approved. The lender doesn’t need to value the worth of the customers’ property, which is the most time consuming process. The result is fast cash for the customers to benefit from.Since there is no collateral involved in the process, lenders would dread offering loans to those who have a bad credit history. The denial extends even to those who have received County Court Judgements or Individual Voluntary Agreements. But there are lenders who will happily take the risk; of course charging a higher rate of interest for their services.Taking out an unsecured loan doesn’t give one a license to default. The lender can take actions to make good his defaults. While in the case of secured loans the lender would have immediately covered the defaults through liquidation of the collateral; in unsecured loans they would have to take the help of the court, which ultimately results in repossession of the home.Such court proceedings can result into the customer’s name being entered on the defaulters list with the credit agencies for around 6 years. And in these 6 years a person won’t be able to get loans as lenders perceive the customer as precarious or bound to default. This would certainly be a very complicated scenario since a person does need loan to meet contingencies.To skip such a scenario one would have to be very cautious right from the time when one plans the loan. The following checklist would be of immense help:Decide what amount you really require.
Select the lender.
Decide the amount to be repaid monthly.
Make an optimum balance between the ultimate cost of the loan and the monthly repayments.
Make an optimum balance between the amount of monthly repayments and their number.
Be regular in repayments.With these points in place one can really enjoy the most out of the unsecured loan and rest assured as to the safety of his home.Aditya has completed his masters in mass communications from Jamia University. If you need UK Personal secured and unsecured loans visit http://www.ukfinanceworld.co.uk
Category : Networks

Affiliate Computer Management Software 101

Author : Ettione Stuckey
If you are running an affiliate program or linked with any such program, you need computer software that can track and manage the records of the total affiliate program. Affiliate software is a must for you in both cases. The software program has been developed to support effective affiliate networks by affiliate companies. These companies provide easy access to their clients and allow the affiliates to join them for a particular amount of registration fees via a platform of affiliate software. Several companies even allow free members to join their affiliate computer program.Affiliate program software is a result of vigorous hard work by a number of computer experts. The software developers repeatedly conduct researches to produce the most suitable software according to the needs of affiliates and traders. The best software is the one that is convenient for the user.There is an extended demand for affiliate computer programs. This has become very popular with an ever increasing number of affiliate programs being offered by new companies entering the market. These companies thrive to provide you the best affiliate programs with the help of affiliate computer program software. Such software enables the traders as well as affiliates to join the programs easily.A number of user-friendly and easy to install software are developed by web developers. You can easily install them by following the instructions on CD of the software. The software is able to build a network of affiliates. You can offer attractive incentives for those joining your program. Once an affiliate has joined your program, affiliate computer software updates you about his performance. The software will enable you to calculate the percentage of commission an affiliate has earned on per click or sale.Affiliate program software is also helpful in maintaining affiliate accounts. You can easily create and handle the accounts for payment and commission of the affiliates. The accounts can be customized as per your requirements. An affiliate program is remarkably capable of searching the most popular products to promote for your affiliates.Affiliate computer program software is the building block of your affiliate marketing service business. You can provide exceptionally well organized services to your affiliates with the software.Affiliate management software is a helping hand for your affiliate program. There are a number of things or processes involved in an affiliate program. You are not always able to manage all those processes with your business. A number of processes run simultaneously in your affiliate business. You surely need some one to help you to manage all your worries.Almost all companies have an affiliate marketing business. It is really hard to survive without an effective affiliate marketing plan. It involves numerous things to ensure the safety and profit of your firm. Affiliate management software solves almost all your worries. A number of versatile features are there to help you manage different processes. It ensures your success in the market by making a number of daunting tasks simple.Affiliate management software creates an affiliate account. Then it sends the information or business proposals to the websites and e business houses. If your proposal is approved then you can begin the process of finding and posting links. Affiliate management software can even help you find places to post your links.There is also unique affiliate management software that protects you against any fraud. A number of times the clients try to generate unnoticed clicks on your links. It will not be possible if you have fraud protection software. The software also enables you to send a number of checks, i.e. payment, together to your clients or affiliates. There are checks on internet that you can send through the software in bulk.Affiliate management software also makes your payment per sales/click/registration easy. The moment there is any activity with a link it will be reported to you. Your commission will automatically be calculated and sent to your account. Affiliate management software gives you complete solution for a great affiliate program.Ettione Stuckey provides a fully automated service that performs ad tracking, affiliate management, email list management, digital product delivery and shopping cart functions, automatically. Learn more here: affiliate management
Category : Computers-and-Technology:Software

Homework Help for the Attention Deficit Child

Author : Jeannine Virtue

Does the homework battle so typical with your hyperactive or A.D.D. child have you at the end of your rope? Relax. We have some tried-and-try ADHD information that should get your A.D.D. child on the right homework path.The hyperactive or A.D.D. child especially needs consistency, a work place free of distractions, solid encouragement and praise - along with established consequences if the positive homework tips fail. Establish a Set Homework Routine: Because the A.D.D. child functions best in a consistent environment, homework should be done in the same place, at the same time and for a set amount of time every day. Work with your child to develop that routine. Some Attention Deficit and hyperactive children work best immediately after school while others need an hour or two to settle down before jumping back into studies. To help the A.D.D. child better focus, the work area should be free of distractions, such as televisions, video games, music and other people. The kitchen table might not be the best place if there is too much activity in that room. The bedroom can offer distractions if the television or stereo have a way of "turning themselves on" when you are not there to monitor. Mandatory Homework Time: We are strong proponents of establishing an allotted amount of homework time on school days. This set amount of time gives consistency to the hyperactive or A.D.D. child and discourages rushing through homework. Talk with your child's teachers about the average recommended homework time for the child's grade level. In general, elementary school children should spend about 30 minutes each night on homework. Middle school and high school students should spend about one hour on homework. If the child does not have homework that evening or they finish before the allotted time, the child can read until their mandatory homework time is over."Chunking" and Scheduled Breaks: The hyperactive and A.D.D. child often experiences difficulty with long-range tasks. "Chunking" homework for the hyperactive or A.D.D. child helps break the homework task into smaller, more manageable pieces. You can break a 20-problem math assignment into four chunks of five problems each, with a small break in between chunks. If using the mandatory homework time schedule, set a kitchen timer to ring every five to 15 minutes, depending on the child's attention span. At every break, give your hyperactive or A.D.D. child a few minutes to move around or grab a snack to refocus their attention.Rewards/Consequences: As with any parenting issue, rewarding good behavior and disciplining poor behavior motivates kids toward good behavior. The A.D.D. child needs all the rewards they can get, along with firm and consistent consequences. A ?homework contract? is an effective motivator for the A.D.D. and an especially valuable tool to encourage the A.D.D. child to accept responsibility for their work. The homework contract clearly states that when the homework is completed, the child will earn a reward. The contract also clearly outlines consequences for not completing homework. You can offer daily modest rewards like earning time to play Gameboy, the right to choose a favorite dinner or a modest treat or special privilege. Or, you can develop a point system for larger weekly rewards. You can give out one point for every night of completed homework for the child to cash in for a trip to the zoo after earning five points, for instance. Effective consequences for not completing homework are losing phone, computer, stereo and television privileges for the evening. To add a little more discomfort to the situation, have the child stay inside for the evening without friends. It is important that you remain calm, firm and consistent on nights when Attention Deficit Disorder child decides to get into a power struggle over homework. It may take a couple consequence days before the child realizes that completing homework makes for a better night than not doing homework. It is also important that you reward for effort and not just grades for the A.D.D. child. The goal is to develop a solid homework habit. With a homework habit established, better grades will automatically follow. Don't forget to offer the intangible rewards of smiles and praise when your child puts the effort into completing his homework. A "way to go" goes a long way in positive reinforcement for Attention Deficit Disorder children.Additional Homework ADHD Information: Using an assignment book for the A.D.D. child helps parents keep track of the child's daily and weekly homework. If the teacher does not use an assignment book, develop a system with the teacher so you know the child's homework assignments. If the A.D.D. child insist on heavy parental homework help, require that the child attempt problems at least twice before asking for homework help. They may need homework help, but make sure he puts a genuine effort into solving the problem first. Attention Deficit and hyperactive children may not be able to receive "A"s on every homework and school assignment. Instead of getting hung up on the traditional grading scale, give you?re A.D.D. child an "A" for effort. Jeannine Virtue is a freelance journalist and mother of an Attention Deficit Disorder son. To learn more about natural and effective alternatives to Ritalin and other ADHD medications, visit http://www.add-adhd-help-center.com.jvirtue@add-adhd-help-center.com

Category : General Kids and Teens

Dress To Impress! Find Your Sexy Halloween Costume And Shake What Your Mamma Gave You

Author : Maria Parise
Everyone loves to look and feel good, right? Well, why don’t you shake what your mamma gave you, and find a sexy Halloween costume that will knock the socks off of everybody!Halloween is all about letting loose and having fun, so let your wild side show this year! Go ahead and buy that Playboy bunny costume, or that tight Spiderman bodysuit! The possibilities are endless…and they’re all here for you to explore!When you hear the word “sexy” you may feel a little uneasy, but you owe it to yourself to go out there and have fun with it! On All Hallows Eve, you can flirt with anyone and get away with it!Ladies, whether you choose to be a nurse, a French maid, a cowgirl, or a cheerleader, you’ll pour on the charm and make the guys putty in your hands! And guys, which woman doesn’t love a rugged pirate, a fireman, a doctor, or a policeman? You’ll have ladies lining up waiting to meet you!Find countless sexy Halloween costumes and accessories on fantastic costume websites!Men and women will find a large variety of hot accessories like sexy shoes and dresses, fishnet stockings, chaps, lingerie costumes, wigs, togas, makeup, corsets, and boas, to name a few. The ease of conveniently finding everything online for your sexy costume will have you coming back for more!Enjoy yourself this Halloween; get into character and show everyone your hot and sexy side! Girls, practice walking around in those stilettos, and guys, get used to those tight pants because you’ve got a fun and exciting night ahead of you! Adults deserve to have fun on Halloween too, and what better way to do it then finding your perfect costume for one of the most exciting nights of the year!About the author: Maria is the the author of “1st In Halloween Costumes” available at http://www.1st-in-halloween-costumes.com A great source for Sexy Halloween Costumes online! You can easily find and compare halloween sites offering quality adult costumes, naughty costume, and sexy fantasy costumes in one convenient location.
Category : Ecommerce

How to use Self-Doubt as a Powerful Action Tool

Author : Michaela Scherr

One night last week after everyone had gone to bed, I sat by
myself fully immersed in a self-doubt session. What if my latest
e-book is a dud, what if my articles aren't up to scratch, what
if I'm doing the wrong thing, what on earth made me decide to
follow this path anyway (duh hello, you did...), what if, what
if, and more what if? The 'what ifs' haunted me for quite some
time that night.

So what did I do? Well, I recalled all my achievements, great
and small, how far I've actually come through making mistakes,
great and small, and learning from them. Satisfied with what I
came up with, I dusted myself off, gave myself a stern talking
to and was right as rain the following morning. Self-doubt means
to lack faith or confidence in oneself. However self-doubt can
be used as a powerful 'call to action' tool.

* Work with self-doubt; use it to your advantage. If having a
self-doubt moment or two get some feedback from people you
value.

* Know that you're not alone when having a self-doubt moment. An
element of this is experienced by some of the best known people
on the planet - from top athletes, to movie directors, to
writers etc. The secret is to keep going, learning from what
didn't work and working on how to make it better.

* Learn to have faith and belief in your ability - recall and
link to past experiences where you've been successful, from the
small to the large, making note of any negative mind chatter.

* Write at least five foolscap pages of what your self-doubt
means to you. Write an equal amount of pages of how you will
challenge your self-doubt (and that negative mind chatter) and
send it packing.

* It's okay to cry or tear up some paper into a million pieces
then jump up and down on them (this can feel really good) as
long as it's short-lived. Once a self-doubt cleansing has been
completed, time to brush off and get back to it. This tip works
particularly well for me...

* Strike up friendships with people who have a positive
influence on you and let go of those that do not.

* If stuck in self-doubt mode, it's time for a bit of attitude
re-adjustment.

Ask yourself "What's important about my self-doubt?"

Continue asking yourself this question until you can go no
further.

When you've reached your final answer ask yourself "What can I
do about this?"

* Be in the present moment. This where you can focus on actively
doing the now stuff instead of lamenting the past or yearning
for something in the future.

* Access inner peace. Sounds clichéd I know, however having this
enables one to keep coping and going whilst chaos reigns
supreme. The peace I speak of is not (although it's all very
nice) about harps, angels, or relaxation music, it's about
accessing a state of being that will help cope with the
'business as usual' happening around you.

Self-doubt can be a powerful tool. Having a self-doubt moment or
two means an opportunity for a bit of strategic planning has
presented itself to you. It can also be used as an opportunity
to double check your facts and figures. From experience, as soon
as all the boxes are ticked, the effects of the self-doubt
moment will start to recede making it much easier to get to
sleep.

Michaela Scherr
Transformational Coach Brisbane Australia

Category : Customer Service