How Do 24Hs. Cash Advance Loans Work?

Have you read online promotions about 24Hs. Cash advance loans? Do you need money for an emergency and can not wait any further? Do you wonder how 24 Hs. Cash advance loans work? Within this article you will find a brief explanation of this type of cash advance loans and details on the many benefits they provide for those with bad or no credit and for anyone going through an emergency situation with urge for quick cash.

Purpose Of 24 Hs. Cash Advance Loans

These loans are obviously meant for emergencies and the urgency is the main characteristic of the product. To clarify the concept we need to say that these loans are processed within less than 24 business Hs. and thus, if you apply for a loan on a Friday evening chances are that you will not obtain the money till Monday. Other than that, these loans are the financial products which are processed with more swiftness on the market.

But since the lender's risk evaluation team does not have time to assess the risk of the transaction there will be some limitations: the loan amount will not be high, usually these loans provide up to 1,500 dollars and not a cent more. The repayment programs are shorter than on common personal loans and there is usually a fee charged instead of a specific interest rate but that fee would stand for a rather high interest rate when pondered annually.

The Loan Approval Process

One of the most interesting features of 24 Hs. Cash Advance Loans is that you can apply for one online or through the phone. You can complete the online application or contact the lender and have them complete the application on the phone for you. You may be required to fax the agreement with your signature by some lenders but most offer no-fax options too when applying online.

As regards to the requirements for approval, the main one would be to show proof of income which can be done with job payment receipts or tax presentation copies. Some lenders provide these loans with stated income when there is already an existing relation with the bank but these loans are actually pre-approved and your credit has been assessed beforehand.

If your income is suitable, you can obtain the amount of money you need up to the limit provided by the lender. Most of these lenders require no credit verification processes checks but given the little time they have, even if they do require a credit check, they will only pull your credit report once and take a resolution based on the information provided on the report.

Once the loan is approved, which is usually done within a few hours, the amount requested is transferred to an account that the borrower provides at the time of applying for the loan. The whole process never takes more than 24 Hs. and most lenders compensate their clients for any delays by reducing or excluding the fees. However, this only happens exceptionally and you should expect to have your money deposited into your account by the next day you apply for it.

Commercial Mortgage Loans For Business

Commercial mortgage loans can be the best way for businesses to finance the build up or buying of infrastructure and land. Commercial mortgage loans are the most affordable and flexible way of financing for businesses. Commercial mortgage loans are set up so that the lender will have legal title on the property until the loan has been successfully paid off. This type of mortgage loan is customized for buying of commercial infrastructure including offices, shops, warehouses, and factories. Commercial mortgages also find application when becoming an owner of an existing business, when buying land or buying a new building.

Commercial mortgages have high interest rates and variable terms when compared to residential mortgages, but commercial mortgages have flexibility and have extra incentive benefits to those who borrow. Large and small-scale businesses have a big decision to make when it comes to the buying and leasing of commercial property. The positives of buying commercial property against the leasing are many. On the other hand, the commercial properties for lending are many in number. The first challenge for companies looking for commercial property is finding the best place to buy and the right location for the business environment.

A business that finds the right property that satisfies all requirements for the business needs to next look for competitive commercial mortgage financing for purchase of the property. The good news is that commercial mortgages for lending to businesses today have become competitive much to the advantage of businesses. The repayment rate for commercial mortgages today could very favorably compare to rental payments or even be cheaper.

The value of commercial property increases over time. This is the added bonus for businesses that seek commercial mortgages for the buying of property. The business should take refurbishment and maintenance costs into consideration when renting commercial property for business. You will find that the terms and conditions for leasing of property state that it is the responsibility of the tenant to take care of costs relating to maintenance or refurbishment.

When paying for a commercial mortgage, the borrower pays mortgage interest rates plus taxes. These costs can be passed on by sub-letting of the commercial building to small tenants. The property stands a better chance of getting a high selling price in the future. Today's recession has forced many people to reconsider their investment options. One of the options has been in the investment of commercial property by use of self-invested personal pensions.

Businesses should ensure they are on the right financial footing before applying for commercial mortgages. The lender will want to know business details before the loan can be approved. The mortgage lender for commercial loans will consider whether the borrower will be able to pay fully and whether the value of the business will cover the loan in the event of a default on the mortgage.

An Easy Way To Manage Your Debts Is Debt Consolidation Finance

In modern times, most of us are suppressed under piles of debts. It is becoming more and more difficult to manage debts. Ignoring financial matters for a long time may create trouble for you in the near future. To avoid any such fuss, usually people opt for debt consolidation for matters pertaining to finance. Debt consolidation finance is an integral part of debt management program, which aims at elimination of debts, with debt consolidation plan. Debt consolidation finance can prove to be miraculous, if chosen properly. Now, we will discuss in detail, what debt consolidation finance is and how you should plan it to finance your debts in an uncomplicated manner.

Under a debt consolidation finance plan, the borrower is not supposed to make repayments to different lenders. All of the borrower's debts are merged in to a single debt, and the interest is charged upon that particular amount. This automatically results in trimming down of the entire debt. It makes the debt less complicated and all the more manageable.

Before choosing any debt consolidation finance plan, a borrower can either ask for counsel from some credit advisor or evaluate his financial status on his own. This should take place even prior to your search for debt consolidation finance plan. You should have a clear idea of your own financial situation. First of all, jot down your financial requirements. Here, financial requirements do not mean the things that you would like to buy. It refers to debts that you are planning to repay. You should have a clear cut idea of your long term and short term financial aims. With the help of some arithmetic find out, whether will there be need of an additional source of income or you can manage by cutting some of your expenses.

After ascertaining your own financial position, you can finance your debt consolidation from any of the two available options, which are secured and unsecured. A secured loan mandates any of your property as collateral. It reduces the risk factor, in turn of which, your lender facilitates you with various benefits like lower rate of interest, larger loan amount, longer repayment tenure etc. On the contrary, an unsecured loan does not necessitate any collateral and thus, the rate of interest is higher. The loan amount will be smaller as compared to secured loans. Whatsoever loan you may choose to finance your debt consolidation, make sure you repay it on time. It should also be in conformity with your financial situation.

Hero Honda Activa The New Indian Family Vehicle

Honda had launched the most remarkable two-wheeler named: Honda Activa Scooter which broke all the sales records and changed the flow of the growth chart in positive direction within a short span of time and still continuing. The unisex Honda Activa practically rules on the Indian roads which has modified the definition of scooters. This swift magic has got the great list of creative features and youthful looks. It emerges as the new passion among the young generation and currently covers the huge portion of the market. Now, this eventful scooter available in number of playful colors and within worthy price range of Rs.42, 000 to Rs.46, 000 only.

Activa scooter has mechanical outfitting of powerful 110cc engine which is enough capable to provide you 15% extra mileage that makes it winning horse of long race. It has net 18 liters storage capacity to offer you smooth and hassle-free drive. Activa Scooter holds the credit of first modern type scooter which finally came equipped with CLIC mechanism to enhance the efficiency and power of the scooter upto a mark level. It is sported with Single Cylinder Air Cooled OHC engine which can deliver a peak power of 8bhp @ 7500rpm and a peak torque of 0.9kgm @ 5500rpm. Along with this practical feature it has got the displacement of 102cc and cylinder bore of 50mm.

Honda Activa has got the beautiful and active dimension that brought revolutionary change in the actual design of the scooters. Its comfy and spongy seat offers you the joyful experience of drive. It has attractive and bright front headlight and strong tyres which have great sense of balance & stability. These tyres have puncture resistant tuff-up tub to provide you stress-free fun of confident drive. In conclusion, Honda Activa is the perfect two-wheeler piece to experience the great excitement and feel proud to drive your passion with unique style.www.naaptol.com opens the huge and rich market of fine products from different brands at very affordable price and discounts.

How To Choose Your Business Equipment Lease Partner

Having decided to get equipment lease financing, do you think you're ready to find a lease partner for your business? Do you know the factors that should you should consider before making a choice? Here are some recommendations:

Reliable Service. Finding a lease company that you can rely on is a crucial aspect when doing your search. Your equipment lease partner should be ready to help you not only during the processing of your lease application, but even beyond that.

Pick a lease provider who can get you the devices you need and give you complete support as well such as with the installation and maintenance of your leased equipment. Interview other businesses that belongs to the same industry as you do and know what they have to say about different leasing firms. From their experiences, you can discover which leasing company has the best reputation?

Smooth Lease Processing. An equipment lease company that has been giving excellent service for a long time will certainly process lease applications without delays. Does the lease company offer to assist you with the preparations of your paperwork? Do they present to you all possible alternatives you have when deciding on the best lease package for your type of business?

Flexible terms. Because every business has its own distinctive demands and circumstances vary, you must find an equipment leasing company that offers flexibility, especially with regards to repayment. Have you found a lease package that is best suited to your company's financial capability? Will you have the option to return or purchase the equipment when your lease term ends?

Reasonable Provisions. Besides the rates and fees, look closely at the lease company's provisions on special situations. For example, what will happen if you decide to break your lease prior to the end of your contract? What can happen if your business doesn't go well as expected? What happens if you wish to replace your leased equipment with the latest model in the market?

Field of specialization. Remember that not all leasing companies serve all kinds of businesses. There are equipment lease providers that specialize in a specific industry. Furthermore, there are leasing companies that only cater to bigger businesses while others may focus on small-scale businesses.

It is suggested that you find an equipment lease company that caters to your exact type of business. By doing this, you can minimize the possibility of rejection and obtain a lease plan that really matches your business's needs.

Background and reputation. Conduct your own research. Carry out actual interviews with other business owners, business organizations or business attorneys so you can have an objective view about a particular lessor. Additionally, you can join small business forums or community groups online to collect information.

Consider a lease broker. Finding a lease broker might be necessary especially for more difficult transactions such as if you have a bad credit history. Even so, business owners are warned against dealing with lease brokers who may not have real experience or are not truly knowledgeable about the business equipment leasing process. Before hiring a broker, be sure to examine his/her credentials and training. Select a broker who is enlisted with the National Trade Association for Lease Brokers, NAELB (www.naelb.org or other major equipment leasing associations.

Stock Investment In Nigeria: Its Process And Benefits

Introduction

Securities are created and issued by corporate bodies and governments, which are in need of funds to finance expansion or development projects. For instance, Wazobia Plc, a manufacturing concern needs to expand its facilities to accommodate present and anticipated consumer demand as well as replace aging or obsolete equipments. It is however, short of internally generated funds (retained earnings) to undertake the projects require long gestation and payback periods, money market facilities which have short tenure would be inappropriate funding sources. The company would be left with one possible option, that is, to access the capital market if it meets the requirements for entry. This could be done by issuing shares and/or debt instruments. (Securities and Exchange Commission, 1999). Thus, capital market is a segment of financial market that is responsible for mobilizing and channelling long term funds into productive investment such as fixed assets. The investments in capital market are at longer period of time, which are held for a minimum of five years.

Moreover, the term securities consist of stocks and bonds. It is not possible in
this paper to digest all aspect of securities. Therefore, this paper shall limit itself to stocks only (i.e. shares).

Theoretical Framework

Fischer and Jordan (2005) see investment as a commitment of funds made in the expectation of some positive rate of return. If the investment is properly undertaken, the return will be commensurate with the risk the investor assumes.

Similarly, an investment is the current commitment of money or other resources in the expectation of reaping future benefits. For example, an individual might purchase shares of stock anticipating that the future proceeds from the shares
will justify both the time that her money is tied up as well as the risk of the investment. You sacrifice something of value now, expecting to benefit from that sacrifice later. (Bodie, Kane, and Marcus, 1998, p. 2).

Distinction between real assets and financial assets

According to Bodie, Kane, & Marcus (1998) real assets are assets used to produce goods and services. In contrast to such real assets are financial assets, such as stocks and bonds. Such securities are no more than sheets of paper (or entries in a computer) Financial assets are claims to the income generated by real assets (or claims on income from the government). If we cannot own our own auto plant, we can still buy shares in General Motors or Toyota and, thereby, share in the income derived from the production of automobiles.

Definition of Stock

In simple terms shares is ownership in share of a corporation. According to Ahmed (2008) securities as stocks and bonds. According to him, a stock represents a share, or percentage, in a corporation's profits and assets. By purchasing stock an investor is buying a percentage of ownership in a company.

Different Types of Stock

There are two main types of stock or shares, namely; ordinary shares and preference shares. Ordinary shares according to Nwiwu, Ya'u, Ezeocha, Ezima and Uzoigwe (2007) this form that part of capital structure of the business contributed by the common stock holders .For a new company it is called venture capital but in the old companies it is called equity share capital.

Ordinary or equity shareholders ordinarily own the business, so all reserves belong to them. They have the right to votes in the company. The shares are non- redeemable even though transferable. However, they have no fixed rate of dividend since rate depends on the level of profitability, company liquidity and management discretion. On the other hand, Preference shares are the hybrid or bat of financing because they exhibit the tendencies of both equity and debt at the same time. They have a fixed percentage dividend before any dividend is paid to the ordinary shareholders.

Share Certificate

Nwaiwu (2004) when shares are allotted to the investor a note will be sent indicating the number of shares allotted. After some period a share certificate will be issued. This certificate is a security, a proof of ownership of the shares in the company. If in future the shareholder wishes to sell the shares, the share certificate must be surrendered to a stockbroker who will forward it to the company's registrar. Nigerian Investments and Securities Law Reports (2004) pointed out that securities in the market are available in either of the following two (2) forms:

i. In certificate form; and
ii. In dematerialized form

When a security is presented in a certificate form, the selling agent needs to verify the signature of the holder and the validity of the presented certificate(s) with the Registrar to the company, after which it could be deposited for sale or any other form of transfer in dematerialized form into the account of the beneficial owner held with the CSCS. Consequently, any subsequent sale or transfer of these securities can validly be undertaken without any need to revert to the Registrar. It therefore follows that securities held in the CSCS account of any holder are deemed to have undergone the necessary verification and confirmation with the Registrars and therefore the holder is rightfully accepted as the true beneficial owner of the securities reflected in his account with CSCS. Thereafter, the only proof of ownership of the said securities that is available to the beneficial owner is the CSCS statement of account issued to him.

Benefits of Investing in Shares

According to Kofa (2004) there are numerous benefits accruing to a shareholder who invests in shares. Such benefits include:

i) Return on investment by way of dividend payment (share of profit by the company on each share owned by the shareholder. This of course depends on the number of shares held by the shareholder. The dividend declared by the company's Directors must however be approved at the company's Annual General Meeting (AGM).

ii) Bonus issue, this is an additional share given to shareholders based on the number of shares owned by each shareholder free of charge at a ratio approved by the Board of Directors/Management and ratified at the company's AGM.

iii) Capital appreciation; this is an increase of share price over time. The value of company share increases due to performance and demand/supply factors. That is, for example, unit price of share purchased today at N10.00 could be N20.00 one year after, due to market forces.

iv) It can be used for security/collateral for loan purposes. Share certificates or statements are acceptable as good collateral for loans by banks and other financial institutions.

v) Pressing immediate needs could be met without seeking any bank/individual financial assistance by disposition of shares.

Risks associated with stock investment

Elakama (2004) emphasized that there are no guarantees when it comes to individual stocks. Some companies pay out dividends, but many others do not. And there is no obligation to pay out dividends even for those firms that have traditionally given them. Without dividends an investor can make money on a stock only through its appreciation in the open market. On the downside, any stock may go bankrupt, in which case your investment is worth nothing.
Similarly, Securities and Exchange Commission (1999) like other forms of investments, there are risk/cost associated with investing in the capital market. There are also obligations on issuers of securities. The risk to investors includes possible unfavourable rate of return owing to depreciation in market value and/or nonpayment of dividends. It could also involve possible loss of investment should a company go burst.

Nature of capital market

At this point, it is important to recognise the nature of capital market. Sulaiman (1999) defines capital market as a network of interrelated institutions governed by operational guidelines which permit the sale of equity and long term debt

Elements of the capital market

There are three identifiable features of a capital market. These are: the instruments; the market place; and the participants.

a) Financial instruments
Financial instruments are the investment products, created to ensure the smooth and easy transfer of funds in the capital market. These instruments, generally known as securities are financial assets, which represent either debt or ownership. The instruments have various features depending on their type between the primary and secondary markets is the fact that proceeds of sale of primary securities go to the issuer (company or government) whereas in the secondary market, proceeds go to the investor.

b) The market place
Securities and Exchange Commission (1999) the capital market is divided into two separate but closely-related segments known as the primary and secondary markets. Primary Market a forum where new shares are offered to both existing shareholders and general public for purchase. Primary market offers can either be made directly by the company to increase its paid-up capital or through privatization of Government holdings, technically called divestment of government shares. On the other hand, Secondary Market is a market where existing shares are traded (sold and bought). Trading of shares at secondary market takes place on the floor of The Nigerian stock exchange. The Stockbrokers buy and sell shares on behalf of their respective clients. Essentially, the Stockbrokers are the dealing member firms licensed by both the Nigeria Stock Exchange (NSE) and the Securities and Exchange Commission (SEC) to deal on shares and offer other services to the investing public. (Kofa, 2004, p.28).

c) Participants in the Market
Securities and Exchange Commission (1999) to facilitate the saving and investment process in any economy, financial intermediaries must exist and in good number. The financial intermediary is essentially a middleman who pools funds form savers and passes on such funds to those in need of them. An intermediary is a specialist) professional) in his line of business and thus, heavily relied upon by his clients to make good investment judgement on their behalf or provide professional advisory services to them. The capital market has a wide array of intermediaries performing various intermediation functions. They include:

i) Issuing Houses: These are institutions which assist corporate bodies and governments to raise long-term funds by packaging security issues for subscription on their behalf. The issuing house by this function plays a central role in the issuance process, and in industrial development. The issuing house as the principal agent of and adviser to the issuer has the responsibility of advising its clients on the most appropriate instrument and method of sourcing the required capital. It also has the responsibility of assembling and coordination all other specialists required in the issue process, ensuring that statutory and all other requirements are met, and that the issue is properly packaged and successfully concluded. Packaging would include pricing of the securities, preparation of the prospectus and other documents, as well as marketing and distribution of the securities.

ii) Stockbrokers/dealers: These are major players in the secondary market. Stockbrokers are the only persons permitted to transact business on the floor of a stock exchange or on the over-the-counter market. A stockbroker, therefore, stands between the seller and buyer of registered securities, making it possible for both parties to realize their desire to buy or sell securities. To act as an agent of the public or deal in his own account, a stockbroker/dealer must be registered by the statutory regulatory agency (Securities and Exchange Commission) and licensed by the stock exchange. As an agent of his client, the stockbroker is under obligations to transact business for him at the best price obtainable in the market.

iii) Investment Advisers: These are institutions/persons registered by the statutory regulatory agency to provide investment advisory services to their client for a fee. Investment advisory services are incidental to stock broking and issuing house business.

iv) Portfolio Managers: These are institutions registered by the statutory regulatory agency to manage the portfolio of clients. Portfolio management entails the receipt of funds, sometimes very large sums, to be invested by the portfolio manager. Most often, the choice of investments are left to the manger who however must send periodic investment statements, to his client. In exercising his discretion, the manager must at all times, consider the best interest of his clients. Both investments advisory and portfolio management services require extensive economic/market analyses to guide investment decisions and advice to clients.

v) Registrars: These are institutions employed by companies to keep comprehensive registers of their members (shareholders) and creditors. In addition, they arrange annual general and extra-ordinary meetings for their clients; distribute stock/share certificates, annual reports, dividend warrants and notices of shareholders' meetings. In cases of issue oversubscription, registrars dispatch surplus monies to subscribers.

vi) Trustees: These are important participants in debt issues and collective investment schemes such as unit trust. The trustee protects the interest of investors in debt instruments by monitoring and ensuring the fulfillment of the term of the trust deed.

vii) Receiving Agents: These are banks and stockbroking firms appointed by the issuing house to serve as centers for the distribution of offer applications forms, as well as for the receipt of subscriptions monies on behalf of the issuing house, for a fee.

viii) Receiving Bankers: These are banks designated by an issuer to receive proceeds of an issue on its behalf.

ix) Solicitors: These are law firms which either represent the issue or the issuer. In practice, two solicitors are required in a public issue of securities. These are the solicitor to the company (issuer) and the solicitor to the issue. The solicitor to the company among other things ensures that the memorandum and articles of association of the company are in consonance with legal requirements of a public company, and effect amendments where necessary. The solicitor would examine issue relating to the authorized capital, ensuring that it can accommodate the issue being proposed. Where a debenture stock is to be floated, the solicitor would make sure that the company has the borrowing power to do so. Generally, it is the duty of the solicitor to the company to ensure that the company complies with the provisions of the corporate law of the country (e.g. the Companies and Allied Matters Decree 1990 in Nigeria).

x) Auditors: These are the existing auditors of the company. In their capacity as the auditors, they provide historical perspective on the accounts of the company for inclusion in the prospectus.

xi) Reporting Accountants: These are firms of accountants which provide independent assessment of the accounts of the company. They review management forecast and examine the reasonableness or otherwise of such forecast. Based on their findings, the reporting accountants can recommend adjustments to the management forecast. They also prepare statement of indebtedness of the company, among other things.

Prerequisites to successful investing in stock

a) Selecting a Broker
According to Fischer and Jordan (2005) the investor's first step in establishing a satisfactory relationship with a broker is to choose a firm that is suitable for his needs and to select a representative of the firm with whom he can work. In practice separating the two choices is hard, for if one has chosen a satisfactory firm but is unhappy with the representative, it is embarrassing to shift one's account to another representative within the same firm. The brokerage firm should be a well-known and long-established institution. In selecting a firm an investor can ask for recommendations from his bank or from friends whose opinions he trusts.

b) Opening a Brokerage Account

This is an investment account, which is opened with the CSCS through a stockbroker. When this account is opened a client is issued with two numbers. The first number is called 'CSCS No.'. It is computer-generated numbers allocated to a new shareholder. It is unique to each stock-broking firm. Although a shareholder can have as many accounts as the number of stockbroking firms he uses. Furthermore, CSCS No is alphanumeric which is used if you have to fill in public offers if you desire shares allotted to you to be credited to your account.

Investors Account No. is numeric which is used internally on the floor for trading. In other word, investor's No. is the CHN represents the Clearing House Number assigned to every shareholder at the first point of entry into the CSCS system. He/She must have completed the CSCS -- R005 Shareholders Particulars Form. They are to provide the same CHN to all subsequent stockbroking firms they may have transactions with for ease of reference.

Other Prerequisites to successful investing in stock include opening a Bank Account, access to Post office Box (P. O. Box), access to Phone and active E-mail Address.

Process of acquiring shares

According to Nigerian Investments and Securities Law Report [NISLR] (2004) shares could be acquired by six (6) main modes;
1) Public offer;
2) Rights offer;
3) Bonus;
4) Nominal transfer; i.e. Transfer of share by way of gift.
5) Transmission from a dead relation or friends or collective investments or investments previously held under a corporate name for a beneficiary; and lastly

6) By purchase on the secondary market.

In general, a prospective investor who wishes to purchase shares on the secondary market is expected to approach a stockbroker such as Newdevco with a request to purchase or to invest in shares at a secondary market. In response, the stockbroker asks the prospective client which stock/shares he/she intends to purchase. Where the client has a selected stock in mind, the stockbroker executes the order according to the expressed need or interest of the client/customer. (Kofa, 2004).

Kofa (2004) added that in a situation where a client does not know which stock/share to buy, the stockbroker explains and advises the client accordingly in detail the shares to invest in. Consequently the stockbroker gives the client the necessary share transfer forms and Central Security Clearing System (CSCS) (particulars of shareholder) for completion. These documents are used to lodge the shares at Registrars Department of the company and also to open the new CSCS account for the client. The shares requested by client to be purchased are normally paid for by Bank Draft or physical clash to a stockbroker, who will in turn given an official receipt for the draft value or cash collected. Thereafter, the stockbroker purchases the shares as requested by client. Whenever the transactions are fully consummated, the stockbroker shall forward the CSCS statement of stock position to the client as evidence of ownership of such shares.

Benefits of Central Security Clearing System (CSCS)

Nigerian Stock Exchange (2008) states the benefits of CSCS to the operation of the Nigerian Stock Exchange as follows:

a) To Investors
Investors statements of stock position are issued every quarter free of charge or on demand for =N=100.00.

Use of stock position as collateral for loan facility after T + 3 settlement cycle i.e. 4 working days. In effect, a statement of stock position is obtainable from CSCS 4 days after transaction.

Investors can speculate more and take advantage of capital appreciation in their investment because of the T+3 settlement cycle.
Reduced risk of loss of certificates.

b) Quoted Companies

Huge cost associated with the production of share certificates for transaction through the secondary market has been significantly reduced.

Before CSCS, a single transaction on a certificate led to the cancellation of the certificate and the issuance of as many as ten (10) certificates depending on allotments made. This is no longer so since few shareholders request for certificates.

Indeed, of the 400,000 shareholders who use CSCS system now, only 2,200 shareholders have requested for certificates to date.

Amalgamation/consolidation of several accounts for a shareholder on the register leading to reduction of cost to the company.

c) Stockbroking Firms
Prompt Inter-member money and stock-settlement are assured.
The problems associated with delivery of shares are minimize
Increased efficiency and profit
Reduction in operational cost.

Disposal of Shares

According to Kofa (2004) a shareholder who wishes to dispose his/her shares is expected to go to a licensed stockbroker only. A Stockbroker is seen as the authorized agent approved by the government to deal in shares, especially in the purchase or sale of shares on behalf of an individual, group or company. The original hare certificates or CSCS statement will be tendered to a Stockbroker who will issue the relevant forms for completion by the shareholder and then forwarded to company Registrars for signature verification. That is, confirm the ownership of the shares in the case of share certificate. However, in the case of CSCS statement, the stockbroker verifies his client's signature. After the confirmation of signature, the share is taken to the floor of, say, the Nigerian Stock Exchange for appropriate disposal. After the disposal contract, a note shall be raised appropriately and the net proceeds is remitted to the shareholder after commissions and statutory charges are deducted as approved by the Nigerian Stock Exchange.

Recent Development in the Nigerian Capital Market

There are two recent developments in the Nigerian Capital Market. First, is the launching the e-dividend payment system which would subsequently solve the problem of unclaimed dividends by the Securities and Exchange Commission (SEC).

According to Olamijulo (2008) the e-dividends payment system refers to the payment of dividend due to shareholders through electronic means into the shareholders' nominated bank accounts. It implies same day clearance for dividend payment. He added that the system would enable shareholders receive their dividends on the same day, thereafter a confirmation letter of the dividend payment would be dispatched by the registrar. The e-dividend payment system would minimise cases of unclaimed dividends, eliminate dividend loss in transit, the forfeiture of dividends in the future and enhance the ability of shareholders to immediately access and utilize the proceeds of their investments.

Secondly, is the launching of e-allotment which will be fully operational from January 1, 2009. Ahmed, (2008) reported that the system is aimed at enabling the achievement of a certificate-less system in the Nigeria capital market.

E-allotment of shares as it is known is a process of direct credit of approved allotment on offers to the CSCS account of shareholders, as against the conventional issuance of share certificates. It is a process which will aid the achievement of certificateless transaction in the Nigerian capital market. (UBA Registrars, 2008)

The e-allotment is introduced as a result of postal services delays, and "the need to reduce costs in printing and dispatch of share certificates as well as to enable all investors in public offers speedily allotted shares."

Conclusions and Recommendations

It can be concluded that in Nigeria, the only obstacle to stock investment is the low level of investors' enlightenment on the benefits of the entire system, which has greatly affected the acceptance level negatively. Therefore, it is recommended that the regulatory agencies like the Nigerian Stock Exchange and Securities and Exchange Commission should continue to enlighten Nigerian especially, using major Nigerian languages on the gains of stock investment.

Body Contouring May Be Right For You

If you have fat built on different parts of your appearance that makes you uncomfortable and self-conscious, you may want to consider body contouring. It is a quick and easy procedure that can allow you to get the look you have always wanted, without having to spend hours on end in the gym. Over the years, many advancements have been made when it comes to body contouring. It is far less painful than it has ever been and the recovery time is shorter than ever.

If you are thinking about body contouring, it is important to meet with a plastic surgeon to discuss the options that are available to you. Many people are often surprised by how seamless the look is. You will not have to worry about massive scarring or it being noticeable where you had the procedure done. The only way that anyone will be able to tell that anything changed is that you will look smaller and more fit.

If you have recently lost a large amount of weight, body contouring may be right for you, as well. It will allow you to get the finished look you want quickly and easily. When you gain large amounts of weight, your skin stretches to accommodate the extra tissue. When you lose the weight, the skin often does not shrink back down to the size that it was. This can leave you with large amount of drooping skin that may make you feel uncomfortable and embarrassed. After you work so hard to lose the weight, you should be able to show off your new and improved appearance with confidence. This procedure may be just the thing you need to feel great about yourself again.

Most insurance companies will not pay to have the procedure done. However, there are now many different payment plans available to make the process far more affordable than ever before. You can get a loan from a bank to pay for the procedure or some plastic surgeons offer in-house financing to make it even easier for you to get the procedure, you want. If you choose to get in-house financing or a loan from your bank to pay for the procedure, it is important to realize that both may require you to put down a significant down payment on the loan.

After your body contouring surgery, your recovery time should be minimal. If you have any concerns about what you will and will not be able to do during recovery, it is important to voice those to your doctor before the procedure takes place. This will allow him or her to give you tips to help you feel more at ease with the situation and to allow your recovery to go as smoothly as possible.

Loans For Unemployed

Being unemployed is no less than a curse. Once you lose your job that may be your only earning source, the life turns out to be a nightmare. If you do not have proper savings, your family expenses start making you feel like taking a break from life. This is where the loans for unemployed pave a way ahead for you. With the help of unemployed loans you can easily manage to get fast cash thereby fulfilling your family's and other financial requirements. You can apply for these loans for any purpose. Though, loans for the unemployed are easy to get but you need to be very careful to get a fair deal at optimum APR.

As you are unemployed, you might have to face difficulties in the loan approval. The lender will consider you as a person who will not be able to reply the loan on time because the instability of your income. This is the reason why loans for unemployed people are designed. Lenders offer these loans to any type of credit history. No credit check is required. You may get approved for this deal no matter how poor your credit score is. Defaults, arrears, bankruptcy, CCJs etc are no barriers.

Loans for the unemployed are available for almost any purpose so that you can easily manage all your family financial requirements. These purposes may include:

- Loans for home improvement
- Loans for holidays
- Loans for consolidation
- Loans for house deposit etc

The unemployed loans are unsecured and secured. If you have a property to keep as a collateral then you better go for secured unemployed loan. As these type of loans require a security against the money you get the benefit of lower interest rates and chances of approval are quite high. Unsecured loans do not require any security. These loans are available usually at high interest rates.

You can receive 500 to 25000 and the term for these loans is usually upto 10 years maximum. The funds get credited to your bank account after approval of your loan. Applying for the unemployed loans is not a big thing. You just have to fill an easy online application form and the loan companies will contact you through phone, email or mobile text will contact you. They will discuss the matter further with you and suggest you the most suitable way.

Unemployed loans are of much help in your sorest need. Meanwhile just keep looking for a good job or some self-employment. We wish you a very best of your luck with your search.

Legal Ways To Get Free Ps3 Games Today

Buying a new video games when they are released can be hard due to their high end price tag but there are measures you can take to control your spending and periodically obtain complementary PS3 games. You can not acquire every game for no charge but you can put limits on the expenses by following this simplistic guideline. If a free PS3 game is not available think about being patient for a period of time or purchase them used-this is a great method to cut the costs in half. If you are in the habit of purchasing several games a year you will maintain solid savings, potentially hundreds of dollars, by just allowing yourself to go by this rule of thumb.
You should make sure you don't give the websites that offer free PS3 games any important information, such as your credit card number. There are sites out there that run scams, and it can be easy to become a victim of identity theft. Downloading free PS3 games is illegal as well, and you could be fined or jailed. However, we know the best way to get free PS3 games legally.
The truth is that free doesn't always literally mean free, since these offers will often times ask you to do certain things on line that actually cost money. For example, you might get your PS3 game 'free', if you also join a book club, or sign up for an E Bay Course, or complete any number of other listed offers. This might be worth your while, though, if you find things on there that you were going to do anyhow. At times it is also possible to find offers that really don't require any payment at all. They might also tell you that you need to get others to join in, and you might have doubts about whether or not this whole thing is above board. Keep on going though, and you will have your free PS3 game.
You have probably seen sites like this on the Internet that offer iPods or laptops. If the product is more expensive you will need to complete more offers and refer more people. These free PS3 games won't cost you anything directly, except for signing up for offers like membership sites that offer PS3 downloads. You can select offers that you might do anyway. It is worth it to save money!

Security Awareness Courses Becoming A Necessity

In present day world, the requisites & obviousness of security awareness has increased manifold. With the elevated use of devices like computers & laptops for the purpose of storage of official, industrial & confidential information, professional security awareness courses demand has increased by leaps & bounds. Though, we have tied all sorts of work into a time bounded network through these high-tech devices, concerns have been raised regarding their security & vulnerabilities. Likewise, various awareness courses have been introduced.

These awareness courses can be widely categorized into the following universal categories:
Education
Finance
Government
Information technology
Healthcare
Retail
Aerospace etc.

But before trainees could be taken through these courses & made aware about them, the fundamentals of security should be made available to them. These fundamentals may include making them understand appropriate use of high-tech data storing devices, internet, e-mails, etc.

They should be made aware about insider threats, performing lawful activities, personnel security in a firm, preventing malicious tasks & identifying symptoms of unauthorized software functioning in data storing devices etc. through such courses.

There are various institutions as well as e-learning security awareness courses cropping up by each passing day. This has led to a huge demand for quality security awareness programs, skilled training personnel & updated security training tools.

Primarily, one may think how education can be part of such awareness courses. Well, today practically educational institutions are marked as one of the significant targets of virtual data hackers. Various confidential research work postulates, official documents, etc. going on there are often published in web portals for specific users. If a virtual hacker gets access to them, he may unlawfully make finances out of them which is not at all desirable. Here, comes the utility of such security awareness courses. It's better to be aware than being victimized.

Especially in the finance & corporate sector, these courses have generated optimum demands. Finance companies regularly update their financial & stock market databases through paperwork as well as mediums like computers. The second procedure being the dominant one, data security has become a universal headache. To cope with the same & fulfill the pre-requisites, finances companies are rapidly training their employees about data security through these awareness courses.

Even governmental institutions have come under axe of data theft. Various official statistical documents, private administrative policies, official letters are uploaded in their websites. Often, enemy counterparts involve technically sound personnel to get hold of such data. Hence, significant usefulness of security awareness programs is evident here as well.

As such, many security intelligence organizations have designed, rather tried to design infallible courses of security awareness. These range from 1-day on site security awareness nomenclatures to substantial certification courses. The appropriate course for an organization varies from one to another. Generally, these programs are very much time limited, they're conducted in 2-days, 4-days & even 6-days durations. While choosing awareness programs, one must understand anonymous courses won't serve the purpose here as individual companies & institutions deal with contextually dissimilar purposes. Hence, expert advice must be taken into account while implementing such programs.

Easy Loan Consolidation.

Debt consolidation is probably the best thing that any person that finds themselves in debt can do for them to ensure a bright financial future. One fixed monthly payment on a strict schedule can allow you to budget accordingly and actually see an end to the monthly payments. Generic process of debt consolidation involves a debt counselor who would figure out exactly how much debt you have outstanding and everything about the debt. Then he would figure out which debt is needed to be paid off first so that you do not end up losing anything like your home or vehicle, so he takes care of that type of debt first and foremost. After finally having figured out your entire financial situation he would contact your creditors that you owe money to and start negotiating with them in order to get your debt settled. And there after providing you with the affordable debt repayment plan.

Debt consolidation comes in many forms:

- Debt Consolidation Loan - Debt Settlement Program - Debt Management Plan - Debt Relief, Reduction and Elimination Program - Credit Counseling Service

Debt consolidation loan is a type of unsecured personal loan where several high interest debts can be consolidated it into one lower, fixed rate loan. There are two major uses for Loan Consolidation. First is Student Loans Consolidation and second is Military Debt Consolidation Loan

A debt settlement plan mainly involves negotiations with the creditors to reach a reduced payoff balance on debts and that cuts total debt of an individual, sometimes over 50%, with lower monthly payments. Whereas a debt management plan simply means managing your debt by taking one monthly payment from you and distributing the money among your creditors, with whom they've often worked out lower payments and lower interest and that too without taking on any more debt.

Debt relief is the aim of any debt consolidation company. The major benefit of enlisting in a debt reduction or debt elimination program is that you can lower your monthly bills into one payment, avoid bankruptcy and you can become debt free in less than five years, depending upon your personal financial situation.

Credit counseling is a very common form of online debt consolidation. It is also known as credit card consolidation. A credit counseling company will be able to lower your monthly payments by getting interest rate concessions from your creditors by contacting them and negotiating for lower interest rate on your behalf.

The Ultimate Method For The Donchian System For Fast Profits

Richard Donchian was a futures trader, who's ascribed with creating the widely accepted Donchian Channel Indicator. Richard Donchian is referred to as the grandfather of trend following.

The Donchian Channel is created by using the greatest high of x length of time, and the lowest low of the same x length of time, then marking the area between those values on the chart.

The Donchian channel is a beneficial indicator for watching the volatility of a stock. If a price is stable the Donchian channel will be fairly skinny. When the price fluctuates a lot the Donchian channel is going to be wider. Its main use, on the other hand, is for providing signals for buy and sell trades. If a stock trades above its highest x day high, then a long trade is made. When it trades below its lowest x day low, then a short position is entered into. They are handy for predicting support and resistance price levels from an objective point of view.

How It's Put Into Use

The Donchian Bands are generally used as a breakout indicator, it defines support and resistance and generate entries as price breaks these levels. Because lows and highs normally correlate with support and resistance levels, this indicator is beneficial in objectively identifying support and resistance levels.

Having said that, it may also be used as a reversal signal - entering when price touches a band and reverses its direction. Before utilizing the indicator in this manner, verify the validity of the psychological level by demanding at the least 2 touches at the level. This makes certain that the signal is solid and elevates its dependability.

One other way of trading the Donchian Band is using its middle band. The middle band is the average of the upper and lower band, and can also be employed to judge trend. Entry signals are produced in the following way: When price crosses the middle band from below - buy, and when price crosses from above - sell. It can be a potent signal when trend strength is is verified with other indicators like the MACD and stochastic.

Investing Using Donchian Bands

There are lots of means of decoding and trading the Donchian Bands. The most popular is definitely the breakout:

1. Long Trades - Long trades are entered when price breaks above the 20-period upper Donchian Band. Defensive traders wait for price to close above the Donchian upper band to enter the trade.

2. Short Trades - Short trades are entered when price breaks below the 20-period lower Donchian Band. Risk adverse traders wait for price to close below the Donchian lower band to get into the position.

Another method of using Donchian Bands is employing the middle band as the buy or sell signal line. Entry signals are created in the following way: When price crosses the middle band from below - buy, and when price crosses from above - sell.

Donchian's Twenty Investing Guides

Richard Donchian started out his Wall Street career in 1930. Donchian started out writing a technical market letter in 1933, and carried on for many years. In 1934, Donchian put together the following twenty trading tips which are based in human psychology. Human psychology never changes therefore these rules are still relevant today.

1. Beware of acting right away on a prevalent public opinion. Even if correct, it will usually delay the move.

2. From a duration of dullness and inactivity, watch for and prepare to follow a move in the direction in which volume increases.

3. Limit losses and ride profits, regardless of all other rules.

4. Light positions are advisable when market position is not certain. Clearly defined moves are signaled frequently enough to make life interesting and concentration on these moves may prevent unprofitable whip-sawing.

5. Hardly ever take a position in the direction of an immediately preceding three-day move. Wait for a one-day reversal.

6. Judicious use of stop orders is a valuable aid to profitable trading. Stops can often protect profits, to limit losses, and from certain formations such as triangular foci to take positions. Stop orders are apt to be more valuable and less dangerous if used in proper relation to the chart formation.

7. In a market in which upswings are likely to equal or exceed down swings, heavier position really should be taken for the upswings for percentage reasons - a decline from 50 to 25 will net only 50% profit, whereas an advance from 25 to 50 will net 100%

8. In choosing a position, price orders are allowable. In closing a position, use market orders.

9. Buy strong-acting, strong-background commodities and sell weak ones, subject to all other rules.

10. Moves in which rails lead or participate strongly are often more worth following than moves in which rails lag.

11. An analysis of the capitalization of a company, the degree of activity of an issue, and whether an issue is a sluggish truck horse or a spirited race horse is fully as important as a study of statistical reports.

12. A move followed by a sideways range often precedes another move of just about equal extent in the same direction as the original move. Generally, when the second move from the sideways range has run its course, a counter move approaching the sideways range may be anticipated.

13. Reversal or resistance to a move is likely to be encountered:
A. On hitting levels at which prior to now, the commodity has fluctuated for a considerable length of time within a narrow range
B. On nearing highs or lows

14. Watch for great buying or selling opportunities when trend lines are approached, especially on medium or dull volume. Be sure such a line has not been hugged or hit too often.

15. Watch out for crawling along or repeated bumping of minor or major trend lines and prepare to see such trend lines broken.

16. Breaking of minor trend lines counter to the major trend gives essential position taking signals. Positions can be taken or reversed at such places.

17. Triangles of ether slope may mean either accumulation or distribution subject to other concerns although triangles are often broken on the flat side.

18. Watch out for volume climax, particularly after a long move.

19. Don't rely on gaps being closed until you can distinguish between breakaway gaps, normal gaps and exhaustion gaps.

20. During a move, take or increase positions in the direction of the move at the market the morning following any one-day reversal, however slight the reversal may be, in particular when volume declines on the reversal.

Considering Ovation Law For Credit Repair? Read This First.

Are you willing to trust Ovation Law with your credit score? Would you answer the same if you knew they lie to you to get your business?

Ovation Law is one of the leading credit report repair law firms in the industry. As a credit repair law firm, they act on behalf of their clients by working directly with the credit bureaus to dispute negative items on the client's credit reports. They send dispute letters to the credit bureaus signed using the client's name and manage the responses provided by the bureaus.

The Claims of Ovation Law

On their site, www.ovationlaw.com, Ovation provides a Compare Us page that includes a matrix comparing their services versus the services of their competitors. This is where you begin to wonder about their integrity as a service company, not to mention their integrity as a law firm.

The matrix includes a comparison to DSI Solutions, Legacy Legal, eCredit Group and naturally Lexington Law, the industry leader in credit report repair. For someone looking through the matrix, Ovation Law appears to be the obvious choice. They have the lowest price and claim 12 service features, 9 more than they show for any of the competitors.

Exposing the Truth Behind Ovation Law's Claims

Since it is a marketing page, you would expect Ovation Law to paint themselves in the best light. As a law firm, however, you'd expect them to at least get their facts right. But either through poor content management or even less admirable reasons, Ovation's site has glaring inaccuracies that work in their favor. A few examples of features that Ovation claims to offer are listed below. Also provided is documentation showing how each claim does not accurately portray the other credit repair companies on the page.

Same Day Service - Ovation Law's matrix claims that none of the competitors on the list offer this feature.
- Lexington Law (? c=OurService)
The dispute process begins the same day you identify questionable negative items on your credit reports using Dispute Valet, our exclusive dispute management system. Copies of your credit reports are required.

Unlimited Personalized Disputes - Ovation Law's matrix claims that none of the competitors on the list offer this feature.
- Lexington Law (? c=OurService)
Some companies charge per dispute per bureau, which means you get charged three times for each and every dispute. We think that's pure nonsense. With Lexington you get unlimited disputes at no additional charge.
- eCreditGroup ()
Pricing policy of 0 membership fee and for unlimited disputes
- Legacy Legal Services ()
Service includes Unlimited Dispute Letters to All Three Credit Bureaus

Real Customer Service - Ovation Law claims that they are the only credit repair provider of the five to offer this feature.
- Ovation Law describes the feature by stating:
As a client of Ovation Law, be assured that our legal experts are working 'round-the-clock' to meet your needs and are accessible to you at your convenience. Your paralegal works closely with our attorneys and can answer any questions you may have about your case. You can expect prompt, reliable and courteous customer service with Ovation Law.
On their site, Lexington Law advertises Free 24/7 support and that they offer toll-free phone support as well as free email support at no cost to you. It's our way of ensuring top-notch customer service.

Multilingual Service & Support - Ovation Law does not list Lexington Law as providing this feature
- Lexington Law ()

Think Twice Before Using Ovation Law for Credit Repair

As the creators of the credit repair comparison chart, you would expect that Ovation Law would provide information that best serves their purpose. With a little bit of effort, every credit repair company included in the matrix could create a new comparison chart showing features that would do the same thing. For example DSI Solutions could create a chart showing that they will waive the setup fee and Legacy Legal could show that they offer a 25% discount on a couples retainer fee.

With Ovation Law, however, they cross the line by grossly misrepresenting the competition. They do not give credit where credit is due and as a result make you wonder why they feel the need to do so. Anyone shopping for credit report repair should seriously consider the integrity of the company that will be acting in their name when trying to clean up their credit history and this sort of messaging by Ovation Law raises some serious questions.

Car Lease Australia - How To Find The Best Car Lease Deals

Do you want a car lease or a car purchase? This is the most important question, which needs answering, once you have decided to have a car. The biggest catch in the car industry is to be at the right place at the right time and get the best bargain. Some of the hottest automobiles are available at fabulously low prices for the right buyer. Try to be selective and trendy. Carry out some research on your own. The most important thing is to understand whether you need to purchase a car or not. If you want a car for keeps, then go for a purchase. If you have decided to keep a car only for a short period then it is better to opt for a car lease.

The first thing you need to understand is exactly what a car lease is. When you lease a car, it does not mean that you own the car. Rather, it is more like renting the car, although there are still many very important differences. For example, you still need to pay for the insurance on the car. This is critical because you need to carry full coverage on the car, including collision insurance, which serves to protect the risk of the owner of the car while you have it out on lease. This insurance is typically more than what you might normally have if you had purchased the car outright, so be sure to figure the cost of insurance into your overall cost of driving the car.

Like in every department of sale and purchase, there are some important details to look out for when you decide to take a car on lease. A car lease allows you to use a car for a given period; you do not become the owner of the automobile. You have to pay regularly for its use and maintain the automobile in top condition. The first thing to do is take a survey of the market and study the position of car loans, new car loan rates, the used car market and its prices. You can make use of the car loan calculator to find out the best choice for you.

Before entering a car lease, check for the upfront payment or down payment, if any. You pay this amount from your pocket as upfront payment when you sign for a car lease and pick up your car. You should think twice before signing a car lease with a down payment, because you forfeit this payment at the end of the lease. Therefore, look for a car lease without any down payment.

The Ardyss 'Tell All Truth' Review

From The Desk of Jenard L. Stokes, Master Marketing Mentor

Learn How To Receive Auto-Ship for FREE every month below (7 Value)

Ardyss has been one of the fastest growing business opportunities in the 21st century marketing healthy and wellness' coupled with a reshaping line and the PowerStart bonus structure. Is Ardyss International a long term opportunity or just a fad? Should you join? These are some of the questions that I'm going to discuss in this Ardyss Review.

Ok, so my Mom, my Uncle, and my best friend, have all Informed of EXACTLY what Ardyss is about?

Ardyss International is a Multi Level Marketing company that started in August of 2008 marketing healthy' lifestyle- garments and nutrition mostly. Rather than taking any of the traditional approaches to MLM, they modeled their growth off of a very lucrative bonus structure called 'The PowerStart Program'. Essentially, the powerstart program allows you to be paid on the efforts of people who aren't involved in your organization at all.

Ardyss Review, Continued...

Honestly, Ardyss International is a unique animal. There really isn't anything quite like it (and no, I'm not involved more on that later).

When I first ran into Ardyss, it was because an old fella I did Real Estate with simply gave me a call. During the call, he was excited out of his mind about a new opportunity' that was 'Recession Proof'...

He told me all you have to do is get twelve people, that's it, and you're rich'. Now, you have to understand, having multiple websites that DOMINATE the search engines, I get people calling me all the time offering me the latest great deal' or this amazing product' and quite frankly, it's not cool anymore. So I ignored the Ardyss Opportunity because I know from experience that even if you have a PowerStart Program' and a exciting new insurance campaign' you need to sponsor more than 12 people unless you are one lucky person- Dorothy Cook.

However, I've recently taken a look into Ardyss again, because they've made some major changes. I'm still not clear on the direction of the company with Mike Potillo stepping down from the helm - will they be around for long? Or will they be here for years to come? While the future is always uncertain, there are some positives, as well as some drawbacks to this business model.

Ardyss has three main key strengths that give it super leverage in the world of Network Marketing. I'm going to cover these first, from the perspective of someone who's not involved. They are:

1. The STRONGEST selling point in the Ardyss business model, by far, is the powerstart bonus. This 100% matching bonus in the compensation plan has begun to be copied by a few reputable MLM's in the industry, and has a chance of helping to create some of the biggest checks in Network Marketing history. The idea of profiting 100% of off someone else efforts is intriguing and catches the imagination. If I was doing Ardyss I would paint this as the #1 selling point.

2. Health and Wellness will be a key component in the industry of network marketing for years to come. Well, they may not be in the industry forever but as of 2010, health and wellness is ever-evolving and more and more people are becoming consumers of these products every year. In fact, the sales of 'juices' alone are predicted to jump from billion in 2009 all the way to billion in 2011. Being involved in a growth industry is one of the most important factors to choosing an MLM opportunity especially when you're just getting started.

3. Ardyss International has made the commitment to make it part of their corporate vision to provide an Affordable health care plan that meets personal and wellness needs of their distributors. The Ardyss Health Care Program looks to Provide affordable health care for Ardyss Distributors with the ultimate goal of healthy, thriving families and having a better standard of living. Although I wouldn't personally use their service, it is a FANTASTIC addition and is likely to generate growth.

So there you have it. So why didn't 'YOU' get a PowerPack? Awesome company huh?

Of course, it is an awesome company. However, the first question I always ask myself when looking at an opportunity is: If I wasn't involved with this business, would I use this product or service anyways?' For me, the answer is simply no. Although I see the bodyshapers and nutrition line as an attractive market I don't personally wear them, nor do I enjoy the products.

Now should that stop you from joining? Absolutely not. The products are sound and it is my own personal preference. However, I do feel that you should ask yourself the same question. Would you spend 0 a month, or even on Ardyss products if you weren't involved in the business opportunity?

What I dislike is when people get signed up just for the money, and that's what gives MLM a bad reputation. However, if you truly have a passion for Ardyss you should absolutely find a good sponsor and join right away. Just don't allow the allure of 'hype' to be your reason for getting started - because when the initial excitement wears off, you're going to need a strong belief and vision to keep building your business.

Also, while the reshaping and nutrition market is certainly growing today, there is also a strong possibility that it is a short lived fad that will drop off in 5 or 10 years. If that's the case, Ardyss will eventually have to adapt it's products or fall apart. But I'm no prophet what do you think? Even if it does maybe you could make some money over the short term.

The final word of advice I have about Ardyss is this make sure if you decide to get involved to learn how to market your business in a way that is attractive, fun, and will work long term for you. When I was approached about Ardyss, it was from someone who used to do business with me. He called me up, excited out of his mind, telling me about how much he has made with this new bonus structure'. I wanted to hang up the phone. Learn how to position yourself as a leader and ATTRACT people to you and you'll never have to hassle your friends, family, and relatives again.

Quite frankly, if you learn how to master Attracting people in your business, it won't matter if you join Ardyss International or if you find a different company. YOU will succeed no matter where you go. And the good thing is you can write your own check.

U.s. Soldier Bowe Bergdahl, A Taliban Captive, Observed On Brand New Video

Bow Bergdahl of Hailey, Idaho, was captured in Afghanistan by the Taliban in June 2009 while serving within the U.S. Military. Since then his exact whereabouts are unknown. But he was observed briefly in a Taliban video that surfaced recently. Bergdahl's captors had threatened to eliminate him right after his capture, however a previous Taliban captive believes the Military private is safe. The Taliban won't allow someone to take out an payday loan to buy Bergdahl's freedom either..
sixteen months back Bowe Bergdahl caught
Bowe Bergdahl appears in the most recent Taliban video clean shaven and evidently suffering from a beating. The appearance of Bergdahl within the Taliban video makes it seem as if the video was taken soon after he was taken. Experts believe it was close to sixteen months ago. The video released Wednesday is the fourth Taliban video clip Bowe Bergdahl has appeared in since he was captured in eastern Afghanistan. Other videos show him with facial hair. A longer beard is in some. In the 45 minute video that has clips of militant attacks and a senior Taliban commander called Jalaluddin Haqqani giving a speech, the U.S. solider appears and is expected to be the only United States soldier the Taliban is holding hostage.
Possibility of Bergdahl assisting Taliban
A Taliban video showed Bowe Bergdahl in it in April. He was begging for release and denouncing the Afghanistan war. It was said within the Sunday Times in August that Bowe Bergdahl was converted to Islam and learned how to convert a cell phone into a remote detonator for a roadside bomb. This is what one of the designed Bowe Bergdahl captors said. Supposedly the Afghan intelligence officials cooperated with the Taliban then. Bowe Bergdahl did too. The Taliban supposedly already knew the data given from Bowe Bergdahl. The captor said the American was just attempting to stay still living by pretending to be a Muslim.
Values used by Bowe Bergdahl to keep alive
A journalist explained that Bowe Bergdahl is safe. This was after the journalist was, in 2008, captured by the Taliban. In an interview with Idaho Public Television, Jere Van Dyk said he didn't believe the Taliban would harm him. Van Dyk was released by the Taliban after being kidnapped and held 45 days. He said the Taliban would try to brainwash Bergdahl and pressure him to become a Muslim. He is a propaganda tool though. He is nevertheless alive for this reason. By letting him live, Van Dyk said, the Taliban are demonstrating that they have changed their ways and no longer behead their captors to terrorize their enemies.
Citations
CBS News
cbsnews.com/stories/2010/12/08/world/main7129125.shtml
Idaho Mountain Express
mtexpress.com/index2.php?ID=2005134245
Daily Mail
dailymail.co.uk/news/worldnews/article-1305184/Bowe-Bergdahl-Taliban-claim-captured-U-S-solider-teaching-fighters-bomb-making-skills.html

Top 3 Card Bin Numbers Rules To Follow

Credit card fraud has gone up at an alarming rate and it becomes the need of the hour to get to know and be aware on the ways through which the frauds occur. Each year several million dollars are at loss because of the credit card frauds and it is quite worrisome that new fraud method keeps evolving with time. This makes the necessity to keep oneself up to date about the latest tools and techniques that are being employed in order to prevent from becoming victim of these fraud types. Card bin numbers tracking is the best way to keep fraud at bay.

What are card bin numbers?

The Bank Identification Number or BIN as it is most commonly called as is a six digit number that is located on the bank card. This comes out in unique numbers of each of issuers and usually used to identify the issuing bank. These BIN numbers are used in all sorts of cards, be it debit card, credit card or that of prepaid gift cards. These are generally referred to as card bin numbers and they form an essential part in preventing credit card frauds from taking place.

Know the worth of card bin numbers

Card BIN numbers of each of the credit or debit card is unique and could be used to track any particular transactions or purchases made on the account. In order to prevent the credit card frauds from taking place, one can verify the customer information by entering the card bin numbers of the purchaser on the database.

Use an accurate database to track card bin numbers

There are many card bin numbers tracking database found in the internet and only about a few of them are able to provide good results and also perfect bin account tracking that are accurate. If you are looking to find valid information, then choose over the one that is accurate.

Go for update card bin numbers sources

Only an up to date card bin numbers database provide with reliable and authentic information to one and all. Make sure that you choose over a good bin number tracker that constantly updates. Otherwise, you will end up losing a customer of making a wrong deal and both ways is not good for you.

Check for advanced card bin numbers tracking system

Business world is quite fast and in order to get along with it, one needs to use fast techniques. Making use of an advanced card bin numbers tracking system would be of great help and get across the necessary information in a short span of time. All that one needs to be doing is to choose over the most comprehensive tracking methods for card bin numbers that would work swiftly and bring in ultimate results.

On the whole, card bin numbers takes an impeccable position when it comes to curtailing credit card frauds and promoting safe and secure purchase and merchandizing. Get yourself acquainted on the latest information available in the field and you are sure to get back the best.

Bankruptcy - Pros And Cons Of Filing

I have been receiving more and more questions on bankruptcy filing in the last couple of months, that is when the idea of doing an article on the basic advantages and disadvantages of going bankrupt came to my mind. I intend this article to become an easy guide for anyone who has ever wondered whether it would be beneficial for him or her to file. If you have ever found yourself in that situation, this is the guide for you. Read on and enjoy!

Filing for bankruptcy is know for leaving a huge stain on ones credit report and for somehow ridding one of ones debts. But believing that that is all it does, is ridiculous. There are many other aspects of bankruptcy filing, both positive and negative, which are not discussed often, and that is exactly what we are going to do here.

Advantages Of Going Bankrupt

This financial procedure offers many positive things, I will list them one by one.

1) So you are deep in debt and you are unable to pay it off. You have many options if this is your case. If you decide to file for bankruptcy, you will be paying less money than if you went for an informal voluntary agreement. Both carry different pros and cons, but this is something important to bear in mind.

2) Creditors can become an extreme hassle and put an enormous amount of pressure on you. Bankruptcy will put an end to their incessant harassment.

3) Another great thing of bankruptcy filing is that a third party (usually professionals in the administration ground) takes over your debt negotiations and payments. You will not be making any decisions on that field anymore.

4) You will get a fresh financial start, which is invaluable.

5) Those filing for Chapter 7, will be discharged from most of their unsecured debts.

6) After the bankruptcy is finally discharged, your debts will no longer be on your credit report. You will be able to begin rebuilding your credit and will even be able to apply for loans.

Disadvantages Of Bankruptcy

Like any typical financial move, it does have negative things. Whether they are significant for you or not, depends on your particular situation.

1) In case you are a homeowner and you have some equity on your home, it will most likely be sold.

2) All of your financial affairs will be investigated whether you allow it or not. Provided that any irregularities are found, you may face criminal charges.

3) If you have a business, or part of a business (partnership), it may be sold.

4) You may lose most of your high valuable assets. Not all of them, of course, the law protects certain types of assets from being taken.

5) You will have to wait until your bankruptcy is discharged to apply for a loan.

6) Going bankrupt can be expensive at time as all of the fees will be taken from your assets.

7) Some debts cannot be written off, for instance: child support, student loans, court order debts, fines, etc.

As you can see, there are both advantages and disadvantages of filing for bankruptcy. Whether it will be beneficial for you to file or not, depends on your particular situation.

Jewel Homes

Jewel Homes

A master apartment builder with an impressive portfolio of over 24 master projects to its credit, in less than a decade of existence. Jewel homes is the name to reckon with in construction quality, architectural innovation, space management and a special flair in spotting and developing some of the very best residential locations.

Jewelhomes Ongoing Apartment Projects in Kochi

Jewel Richmond

A builder rich in experience with 23 projects. A builder rich in expertise who sets new benchmarks in engineering and design. A team of top-notch engineers, professional architects, innovative designers and skilled labourers that makes rich workforce. Moreover rich in confidence with quality that surpasses all standards. This is how Jewel Homes makes Richmond a class apart in residence.

Jewel Keningston

Be on the brighter side of life. At one of the most sought-after residential locations in Kakkanad. In a home that promises you an inspiring ambience. And all the luxuries of an ultramodern living space. In 3 and 2 bedroom versions. For living legends of the blue-chip world.
At the Jewel Keningston, Kakkanad, you live very close to almost every important development in Kochi's promising new economic horizon. The Smart City, Kinfra Park, Infopark, CSEZ, Muthoot Technopolis etc. The project is located at the beautiful Rajagiri Valley, in the part of Kakkanad, destined to be the new downtown Kochi in the near future.
A new world, anew life, awaits you at the Jewel Keningston. Enriched by the beauty of nature and empowered developments in the IT scenario of Kakkanad. The Jewel Keningston architectural delight in 13 floors with 78 luxury apartments, and enjoys close proximity to some of the best educational institutions, popular places of worship and urban commercial outlets.
The imposing design and early launch of the Jewel Keningston, the 23rd project of Jewel Homes, is inspired by the grand success of the Jewel Lexington, the 20th project of the company in the same location - the Rajagiri Valley.

Jewel Lexington

Jewel Lexington is located at Kakkanad close to Infopark & smart city. This part of Kakkanad is destined to be the new 'downtown1 Kochi in the near future. All major IT, Developments are being planned around this area. Living here and investing in this area has its obvious advantages.

Jewel Highdelberg

is the 17' project of Jewel Homes located 200 meters off NH-47 close to the Medical Centre. It is built in the same spirit and values which govern all its projects. Highdelberg is outstanding in its design concept, craftsmanship and value abundant features. Let us look at its prominent feature. It's extraordinary design makes it feel like a detached home, rather than an apartment.
Location of the project, the precision and trustworthiness of the construction process make definite contributions to the value of your home. When a customer is convinced of the above he has made a vital step towards an 'ACTIVE INVESTMENT'. Remember, an 'ACTIVE INVESTMENT' grows much faster in value due to its strategic location and the total personality of the housing project..

Jewel Spring Field

Decoding a dream, especially a home dream is a tough job. It needs a rare insight to read the mind of a home buyer. With a proven excellence we, at Jewel Homes, dare to decode and express your home dream in the pink of perfection.Jewel Spring Field manifests the finest features of City apartments. Jewel Spring Field brings all the vital aspects at a sensible price.
Today, the city of Cochin is wooing the world with her vibrant beauty and resources. For investors, it's a place of ever growing opportunities, for a home maker, it's a cosmopolitan city that unfolds amenities of matchless life styles, knowledge and learning. Jewel Spring Field makes a strategic presence on SRM Road, Ernakulam north. Its just 1 Km away from Lissie Junction. No doubt, Jewel Spring Field is in the heart of the city.

Jewel Bluebell Tower

Home projects allure an occupant by its distinguished features like location, easy accessibility, friendly neighborhood and a healthy living environment. JEWEL BLUEBELL TOWER is an eleven storied skyscraper coming up near Kacherippady.
It has a number of elegant features to its credit. There will also be a roof top garden and children's play area. BLUEBELL TOWER has all the vibrant qualities of becoming a solid landmark of the city of Kochi.

Jewel White Field

offers you a special place in the heart of Cochin, the emerging metre in south India. It's a perfectly peaceful residential area on SRM road:-hardly 1 Km away from Lisie Jn. and 1.2 Kms from Kaloor Junction, one of the fast growing commercial centres in COCHIN.

No doubt it's an enviable location full of advantages. Ernakulam North Railway Station, Shopping centres and markets are within 1.5 Km radius. It takes only a few minutes to reach LissieJn. In short, you can easily reach any part of the city from Jewel White Field. To top all, major health care centres in Kerala such as Lissie hospital and PVS "hospital are located at a comfortable distance. On many counts, White Field is coming up at a location of multifaceted advantages.

Jewel Bay View

Every individual leads his life saga in his own characteristic way. Varied may be our lives; yet as a common factor we have commitments to people and aspects gracing our lives. Our commitment to security and comfort leads us to dream for home A Home for Ever.

Jewel River Woods

invites a chosen few to a new world, and a new life. Enriched by the beauty and serenity of nature. and endowed with every conceivable modern day luxury. Housing 53 three bedroom apartments, across 14 floors. Complete with all the amenities that make for a classy lifestyle. A well equipped gym, Clubhouse, Rooftop party area, Riverview point with park benches, Community area for recreation, and much more..

Payday Loans

Sometimes when things become a little tough, we do things without too much thought. Usually because we want to put the tough thing behind us and move on. This can result in jumping in on payday loans and regretting it later. Payday loans aren't all that evil as long as you know what you're getting into and you take some time thinking about actually doing it and how you'll later terminate the loan.

To begin with, payday loans aren't always a good choice! Don't get tricked by the ads from the mall, radio, television or Internet. Even if you desperately need some cash until your payday, you should consider all the alternatives first. In my opinion, a brief definition for payday loans is expensive cash.

Payday loans are short-term cash loans. The amount of money that can be borrowed regularly ranges from 0 to ,000, and it depends on the laws of each state. The average term is about two weeks. Payday loans are made by check cashers, finance companies, payday loan stores, and others. They are also designated as cash advance loans, check advance loans, deferred deposit check loans or post-dated check loans.

This is how it usually works: the borrower writes a personal check for the sum borrowed plus a fee and he receives the amount he or she wishes minus the fee. Fees are regularly a percentage of the value of the check, but they can also be a fixed value charged per a specific amount (like for each 0 borrowed). When the next payday comes, the borrower can redeem the check for cash. Otherwise, he can pay the finance charge again and roll the loan for another two weeks.

To get an idea of how expensive payday loans are, you must know that this type of loan costs on average 470% APR (annual interest), while the APR a credit card is rarely higher than 60%.

Let's assume you want to make a payday loan for the amount of 0, the loan fee is of .50 per 0, and the loan term is 14 days. Therefore, in order to redeem the check you have to pay 2.50 when the 14 day period is over. You can pay it by cash or you can allow the check to be deposited at the back. If you still don't have this money, you must pay the fee of .50 to renew the loan for another loan period. This means that borrowing 0 for a month will cost you 5. That's not cheap at all! By comparison, a 0 cash advance on an average credit card, repaid in one month, would not cost you more than .

All you need to get a payday loan is an open bank account and a steady source of income. However, lenders are not necessarily interested to find out if the borrower can afford to repay the loan. If you don't pay the loan, it becomes an uncovered check in your bank account. If you fail to repay it, you will get a bounced check fee from the lender and from the bank. You will receive negative ratings on specialized databases and because of this you might lose your bank account and have difficulty in opening a new one.

Because of the very high cost to borrow and the short repayment terms, the consumers sometimes tend to be trapped in repeat borrowing cycles. Reports show that almost 60% of all loans made every day are either loan renewals, or loans taken out by the same consumer immediately after paying off the last one.

Payday loans with three-digit interest rate are prohibited in twelve states in the USA, where they are considered to be small loans or usury caps.

The internet payday lending has become very popular lately. You can apply online and loans are directly deposited into your bank account. When the payday comes, the amount of money you've borrowed is electronically withdrawn. If you choose to renew the payday loan, the finance charge is electronically withdrawn from your account.

Here is a suggestion in order to avoid getting a payday loan. First of all, shop carefully! If you really need that money, try to get an advance on pay from your employer or borrow the money from family or friends, at least you can do this for free (usually). Figure your daily and monthly expenditures, and try to avoid unnecessary purchases. You should also build some saving, so that there will be no need to borrow money for unexpected expenses or emergencies. If you still decide you want to use a payday loan, make sure you don't borrow more than you can pay with your next paycheck.

Home Loans With Bad Credit Attainable, If Three Guidelines Are Stuck To

For most of us, the dream of owning our own home is high on our list of priorities. The problem is getting the home loan needed to make it a reality. Unfortunately, such dreams fade as economic realities kick in and low credit scores become part of our financial history. But it is good to know that home loans with bad credit are still possible.

There is no doubting that a low credit rating does have an effect on loan applications and the sum that is possible. This is one of the biggest hurdles, but the fact does not completely block the opportunity to buy a home. In fact, bad credit home loans are nothing strange in the lending sector.

Often finding the best deal comes down to simply finding the right lender. When the best terms are found, then everything becomes more manageable. However, before such great terms can be enjoyed, it is necessary to get the home loan approved despite bad credit scores, and three steps in particular can help to make that a reality.

Treat Home Loans Differently

It might seem that a home loan is basically the same as a normal personal loan, but there are some factors that make them very different. This is especially true when looking for home loans with bad credit, a status that tends to result in increased interest rates and APR, and a lower limit to the amount due.

What this means is that shopping around is absolutely necessary. Going for the advertised rates at the traditional lenders, like banks, is not really a good idea, therefore. There are bad credit home loans with much better terms available on the internet especially.

All that is needed is to spend some time extensively searching for the best offers. But, of course, in order to get any home loan approved, despite bad credit, there are some preparatory steps to take.

Be Realistic

It is tempting to go straight for the home of your dreams, but there is little point in seeking huge home loans with bad credit having a major influence on the decision. Perhaps a beach front home worth 0,000 is what is desired, but realize that a beach view apartment for 0,000 is much more within your financial reach. A lender is more likely to approve a bad credit home loan for the second.

Remember too, that the value of property has fallen, which means that in many cases the price being asked for is actually above the market value. It is an idea then to have a property independently assessed to discover the true value.

An applicant is more likely to have a home loan approved despite bad debt if a lender sees the applicant is serious enough to weed out the real price.

Provide Evidence of Progress

Lenders are willing to acknowledge the realities of an economy, and that credit scores can sometimes not reflect the full picture. When it comes applying for a home loan with bad credit, showing a rating improvement, however small, can be beneficial.

The older repayment history, if impressive, can also show that circumstance was the reason for dropping scores. This can also be taken into account by the lender as part of the bad credit home loan assessment. But a show of good habits more recently is probably more convincing.

Getting a home loan approved despite bad credit requires more than just having the right credit history, though. Being realistic about what can be afforded is as important as the loan itself.

And remember, owning property is a marathon not a sprint. Which means attaining a home loan with bad credit to buy an affordable property now, is a chance to improve credit scores and financial lot to get your dream home in the future.

How Does Gold's Value Change with the Stock Market?

There is a common misconception in the financial world that gold moves in the opposite direction of the stock market. This unfortunate interpretation of historical data produces a misleading image that often results in confusion and bewilderment among investors when the two markets periodically move in the same direction.

Negative Correlation or No Correlation?

In order for gold and the stock market to move in opposite directions, there would need to be a negative correlation between gold and stocks. There is no evidence that such a correlation exists and, if there was, and it was true that gold moved in the opposite direction of stocks, it would greatly reduce gold's value as an investment alternative.

If gold and the stock market were on the proverbial see-saw that a negative correlation necessarily implies, there would be no reason for long-term investors to invest in both. The proper decision would be for individuals to choose which ever one outperformed the other over the long-term.

Fortunately, individuals are not faced with such a dilemma.

The fact of the matter is, gold is NOT negatively correlated to the stock market. Nor is it positively correlated to the stock market.

There is NO discernible correlation between gold and the stock market.

Gold: An Independent Asset

In other words, gold reacts independent of stocks, to economic and political factors and market events.

This makes gold the ideal diversifier for a portfolio of stocks. The reason for this is because of the unpredictable nature of world events.

When you get right down to it, consistently predicting near-term and medium-term movements in the stock market is just about impossible. No one has done so with any success to date and no one has developed any trading system that has done so over the long haul.

The same can be said of the gold market. No one has a crystal ball with which to predict the movements in gold either.

Likewise, no one can predict with certainty the timing and nature of the next economic crisis or perhaps the next terrorist attack. All of these kinds of factors impact the financial markets-including the stock market and gold market-and thus need to be accounted for.

Gold: Protection Against Inevitable Uncertainty

The best way to protect your portfolio against unpredictable events in the financial markets, the economy and the geopolitical arena is to diversify as completely as possible. This means not just diversifying across industry by selecting stocks of companies which are engaged in varying lines of business, it means diversifying across asset classes. In addition to a diversified portfolio of stocks from a variety of industries, individuals absolutely must include gold in their portfolio.

Why?

Because gold has no correlation with the stock market. The best way to achieve the stability of your portfolio is to include an asset that is as unpredictable vis a vis stocks as the very events which impact the stock market.

We know from history that gold will not react in the same way as the stock market to crisis, hyperinflation, depression, and other turmoil. This is what makes gold so vital for all people.

No one knows what to expect next from the financial world. One day the stock market is doing just fine and the next a storied name like Merrill Lynch is being bailed out in a deal put together by the Feds. One day the world is calm and the next a 23 year old tries to blow up an airliner over Detroit.

We can't change the unpredictability of future events and the stock market's reaction to those events, but there is something we can do to help protect our wealth from the fallout, and that is to own gold.

Copyright (c) 2010 Rod Hoss

How Can Secured Personal Loans Work

Secured personal loans are occasionally known as homeowner loans. Secured personal loans will also be referred to as second mortgages. What exactly are secured personal loans, and just how will they work? With secured personal loans, the cash borrowed in the lender is borrowed against some kind of collateral. Usually with secured personal loans, this collateral is really a house or property the borrower owns. Secured personal loans, then, are in fact safer with regards to the bank or lender's reassurance about recouping the cash. Secured personal loans aren't necessarily as secure for that borrower.

Due to this, it is advisable to ascertain if there are more routes open to the borrower before she or he decides to pursue secured personal loans. Short term loans, and sometime, even a low interest rate charge cards might be safer for that borrower than secured personal loans, due to the fact the borrower's home won't be foreclosed upon when it comes to the borrowed funds starting default.

Secured personal loans are widely popular for any number of reasons. One of many reasons secured personal loans are widely chosen among borrowers happens because secured personal loans are usually open to individuals with past credit problems. Short term loans, or loans in which the bank doesn't have guarantee of repayment apart from a signature in the borrower, must be not agreed to anyone who has were built with a past record of issues with credit. However, secured personal loans, since they're normally borrowed against someone's house, tend to be more acceptable and safe for banks and lenders to provide to anyone, including individuals with poor credit.

Obviously, people who don't own a house will most likely 't be entitled to secured personal loans, either. It's possible that some secured personal loans might use other styles of collateral like a vehicle. Normally, though, secured personal loans require ownership of some form of house for the customer. Therefore, people who rent or lease a house or apartment will often 't be entitled to secured personal loans. Since they're not entitled to secured personal loans, it is crucial those renting or leasing homes keep their credit rating as positive as you possibly can, in the event of future desires or must take a loan.

Trying to get secured personal loans is usually super easy nowadays of technology. Secured personal loans are usually available through applications at banks, in addition to applications online. Many people may even make an application for secured personal loans over the telephone, which has turned into a common occurrence. It's helpful, when trying to get secured personal loans, to possess all your financial information ready and available. Applications for secured personal loans includes questions regarding your past and current employment, your taxes, your present account balances and debts, etc. Having one of these information ready before you apply for secured personal loans can help the whole process move along as soon as possible.

Secured personal loans are a well known selection for borrowers nowadays, and when you check first to ensure those are the right selection for you, they might be valuable for your personal pursuits.