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<title>Using a Private Loan to Pay For College</title>
<link>https://yrboqms.info/using-a-private-loan-to-pay-for-college</link>
<comments>https://yrboqms.info/using-a-private-loan-to-pay-for-college#comments</comments>
<pubDate>Fri, 31 Mar 2023 18:16:38 +0000</pubDate>
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<description><![CDATA[Only after maximizing and using all available not private funding resources should you consider taking on a private loan to pay for college.To start with you’ll need to be conservative and be sure to only borrow what you an absolutely afford. As with any loan, it is not just an investment but often a long [...]]]></description>
<content:encoded><![CDATA[<p> Only after maximizing and using all available not private funding resources should you consider taking on a private loan to pay for college.To start with you’ll need to be conservative and be sure to only borrow what you an absolutely afford. As with any loan, it is not just an investment but often a long term commitment. Ask a financial aid advisor about what kinds of private financial aid is available to you.To qualify for a private loan you’ll need to go through a full application process but before doing that I suggest you pre-qualify to see if you are eligible for the actual loan. This will eliminate any uncertainty right at the beginning so you don’t waste valuable time. You’ll discover the amount you can get and leave you feeling stress free and available to locate further alternative funding if the approved amount won’t cover 100% of your anticipated or known expenses.Various loans are available but the main list includes these options:Signature Student Loans<br />
Tuition Answer Loan<br />
Signature Student Loan for Community Colleges<br />
Continuing Education Loan<br />
Career Training LoanLet’s now take a closer look at each loan:Signature Student LoansApply for if grants, scholarships and Federal Stafford loans haven’t completely covered your total educational costs. To be eligible you must be at least half way towards a 4-5 year degree or attend a community college where you are working towards your degree. You also need to have maintained a respectable credit rating.Many students do get approved. If your credit worthiness isn’t exactly the most desirable then you could co-sign affording you a lower interest rate too. If your school vouches for your educational costs then a signature student loan can be increased according to your financial requirements.You won’t need to make repayments while you are still studying. This kind of loan is also available to international students with an eligible co-signer.You may repay over 15 years or longer (usually at a 0% interest rate) and loan limits vary according to college and discipline: community colleges: $50,000; 4-5 year colleges: $100,000 – $220,000 including all private student loan debt.Tuition Answer LoanThis loan allows credit worthy parents and students (undergraduate and postgraduate) to borrow from $1,500 to $40,000 to cover up to total college costs.To be eligible you must have a social security number, be a US citizen and have good credit. You must also prove you are enrolled in a college with an official document i.e. tuition bill, class schedule printout.If you are successful in applying for a Tuition Answer Loan then the checks will come to you, not to the school where you study. Collateral is not required for this loan and repayment options are flexible and can be deferred until after graduation. Repayment options vary but you must start repayments of the interest and/or the actual loan amount at least beginning at the half-way point through your course of study. Deferment must end after either 4.5 years or 6 months after graduation, but the later you leave it the higher the interest rate will be. The initial amount you borrow will determine your costs later on to a large extent.A one-time fee is charged for this loan which is added to the loan amount at disbursement. The interest rate is Prime Rate and adjusted monthly and is calculated too according to your credit history and that of a cosigner if there is one. You will receive a 0.5 percentage point interest rate reduction after 24 on-time consecutive payments have been made.It is recommended you apply for this loan with a cosigner to meet often strict credit requirements. It is wise to read the small print carefully so that you know what kind of agreement you are truly entering into.Signature Student Loan for Community CollegesCreated especially for community college students, this loan is the most popular after-Stafford loan.This loan is similar to the Signature Student Loan described above. Please reread the above to gain more clarity.Loan amounts range from $500 to $50,000 aggregated. Interest rates are variable and based on Prime Rates. Depending on your credit history, repayment rates are 0% – 3%. You can repay your loan in full at any time without penalty.Continuing Education LoanDesigned especially to suit postsecondary students not seeking degrees and part-time degree seeking students, this loan requires you be a US citizen and have a good, established credit history.There is no maximum loan limit on a Continuing Education Loan.The continuing education loan rewards good credit history with better interest rates and lower fees. You can repay over 15 years at the most. If you have a bad credit history, apply with a co-signer. There is no prepayment penalty and you may use your loan for tuition and other educationally related expenses.Loan fees range from 0% – 6.5% With three types of repayment, this type of loan is flexible. With the standard repayment option (principal and interest), minimum monthly repayment is $30. With the interest-only repayment, you can repay only interest while in school and then the full loan amount in installments once you have graduated. You can defer payment too, as a third option, and pay a $10 deferment payment for each month that you want to defer payment, useful if money is tight during those long student days and nights.Once again it is wise to read the small print before sending your application for this loan.Career Training LoanSpecializing in training school, technical training or trade school, this loan is for continuing education programs. You must be a US citizen and have a good credit history. Interest rates and fees are reduced for those applicants with good credit ratings. Apply with a co-signer if you feel you can’t meet the high expectations required to successful approval.Once again there is no upper limit to the amount you can borrow. Loan fees range from 0% – 6.5%. For repayment options, see the Continuing Education Loan section above. You can pay the interest only while still studying, pay the full loan while studying or defer for up to 12 months paying a $10 fee at the end of each month of defermentConclusionFor all borrowing a good credit score is essential to lower your repayment costs. If you don’t have the best credit rating, apply with a co-signer who does have a good credit rating. Private student loans are a final option after successful grant and scholarship applications have run dry. Be careful how much you borrow. You will obviously need to pay it back plus interest!Good luck! </p>
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<title>What Is The Best Way To Learn SEO?</title>
<link>https://yrboqms.info/what-is-the-best-way-to-learn-seo</link>
<comments>https://yrboqms.info/what-is-the-best-way-to-learn-seo#comments</comments>
<pubDate>Fri, 31 Mar 2023 16:04:14 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[One of the most commonly asked questions regarding search engine optimization is: “What is the best way to learn SEO”? The answer I always give to this question is simple yet complex. My answer to this question is always: “It Depends”.Now before you say that my answer is not a definitive response to the question [...]]]></description>
<content:encoded><![CDATA[<p> One of the most commonly asked questions regarding search engine optimization is: “What is the best way to learn SEO”? The answer I always give to this question is simple yet complex. My answer to this question is always: “It Depends”.Now before you say that my answer is not a definitive response to the question – let me explain my answer to you.Search engine optimization by its very nature is not a black and white concept. There is a lot of gray area in the field of search engine optimization SEO.Thus, it is only natural for people who are trying to learn SEO to be totally confused about how and what to do in relation to learning SEO because there are so many options and opportunities available for people to learn search engine optimization.Well, let’s look closer at my answer to the question what is the best way to learn SEO: “It Depends”.My answer to the question is based purely on my viewpoint of education in general and learning new subject matter.The fact that someone is trying to learn SEO is only the current situation for the individual. The real question that is being asked is what is the best way for the individual to learn and this depends on the individual.For example, some people learn best using visual aids while others learn more through audio aids while still others learn better from reading books.In the end, the best way to learn almost anything is to use a combination of these methods.However, in our society today people have very little patience, so the visual method tends to be what many people prefer because frankly it is easier to apply and use; but in my experience, the “visual” method in the long run is the least effective method for individuals to utilize for retaining and applying new information.With this being said, the best method for learning in my opinion is reading a well-written book related to the subject matter.The book should include visual aspects in the material to enhance the learning experience and access to an instructor for reinforcement of the material that is read or it should be written in a manner that presents the material as if the author is actually sitting with the reader and explaining the information.Therefore, my answer “it depends” regarding the question of what is the best way to learn SEO can be summarized this way.”The best way to learn SEO is by reading an SEO book that is well written and covers the entire realm of SEO at the level of the actual reader so that a clear understanding can be conveyed. Hence, for beginners to the intermediate level, the material should be written for readers at that level in a manner that is best for them to learn SEO, which would be different than a book written for an advance SEO reader.”The main problem with reading SEO related books is that most of the books and ebooks sadly are not well written and the information is usually written in a manner that is not designed for the reader to learn but only for the reader to apply what was read. You or no one else can learn this way. It is easy to write a book; but is very hard to write a well-written book that helps an individual learn new material.If you want to learn SEO, you need to read a good SEO book and/or eBook that actually provides the search engine optimization material in a comprehensive manner and also provides the material in an easy to read, easy to understand, effective and easy to apply manner for real world situations.Don’t fall victim to the hype. If you want to learn SEO, it will take time. A two-day SEO workshop, SEO videos and/or SEO online classes will not help you learn SEO. You can learn to apply specific information using these methods; but you will not learn SEO.Search engine optimization is much more than a few techniques or tips. SEO is a field of expertise, which requires a strong understanding of all aspects related to SEO before you can truly learn SEO. Thus, it will take time. Remember, Rome was not built in a day.If you want to learn SEO, you will need to do it the old fashion way by reading and applying the material from a good SEO book and/or ebook.Remember when you were in grade school, middle school, high school and/or college were you ever just given a CD, video, two-day workshop or other similar methods to learn a subject? No, I will guess that you learned primarily from books or material derived from a book presented by an instructor.On this note, a well-written SEO book, by an author, that presents the material as if he or she is talking to you can be the substitute for an instructor; but you will still need to read the book and apply what you learn. This has been a time-tested method of learning for hundreds of years around the world. The method will not fail you; however, you can fail the method.Learn SEO by reading a very good SEO book today.You can determine the SEO book to purchase and read by carefully reviewing the promotional material for the SEO book, reading objective book reviews regarding the SEO book, comparing the prices of the various SEO books, making sure that you purchase a book that is written to actually teach SEO and finally purchase an SEO book that provides a money back guarantee in case the book does not meet your expectations.However, remember that you should never take advantage of a money back guarantee. The author worked hard to write the book. If you actually benefited from reading the book or ebook, don’t ask for a refund just because you do not want to pay for the book. Always remember that what comes around goes around. Treat people fair and be honest in your dealings with others.Read a well-written and comprehensive SEO book or ebook. </p>
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<title>Commercial Loan Financing – Funding Business Growth</title>
<link>https://yrboqms.info/commercial-loan-financing-funding-business-growth</link>
<comments>https://yrboqms.info/commercial-loan-financing-funding-business-growth#comments</comments>
<pubDate>Fri, 31 Mar 2023 12:24:38 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Actually, traditional financing may not be the only way of getting money or borrowing money that your need in order to move forward with your projects or business. You can look for commercial financing loan from a lender who specializes in funding your projects.Commercial financing loan are designed only for business purposes and they understand [...]]]></description>
<content:encoded><![CDATA[<p> Actually, traditional financing may not be the only way of getting money or borrowing money that your need in order to move forward with your projects or business. You can look for commercial financing loan from a lender who specializes in funding your projects.Commercial financing loan are designed only for business purposes and they understand the business that you do where in they regularly work with business like yours.The commercial financing loan is available for wide variety of projects and can be approved far more quickly than traditional bank loans. So in finding a commercial financing loan, be sure that you are working with a great lender that is willing and able to work with you to smooth out the process of growing your business knowing that there are other business professionals which are not sure where to look for in order to find the right commercial financing loan that they need.To be sure, try to ask from your friends or relatives if they know of a reputable commercial loan financing where you can be at ease and help you with your problem in financing loan for your business. Take note that commercial loan financing is also known as commercial mortgage financing.Before anything else or looking for the commercial loan financing, you need to organize, plan and complete the detailed business plan to get commercial financing loan since the lenders want to know extremely the details of your proposed business ventures before they could help you. You need to show them your targets and describe to them in details how you will run or operate your business. Show the lender how many people you need to work with you on your business, monthly expenses, and estimated profit and how you intend your business to generate cash flow.You need to have a complete economic and cash flow assessment in order to gain the commercial loan financing and show them how your business future will be good in the area where you wish your business to start. If the lender find your business effective through your cash flow assessment that means you know how to manage the money then for sure they can help you with your business.Don’t go to one commercial loan financing but instead go out and shop for it and compare their interest rates, term and conditions so that you can get the best commercial loan financing that suit best to your needs. What is important in commercial loan financing is that they are trustworthy, reliable lender who knows you, your goals and your needs. You need to have a solid relationship with the lenders so that you feel as t ease and can ask a lower interest rate as possible.Always be aware but most of the commercial loan financing always look for your credit score or records and you need to clear that first before applying for a commercial loan financing. </p>
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<title>Entertainment Credit Card – Apply For A Credit Card Of Your Dream</title>
<link>https://yrboqms.info/entertainment-credit-card-apply-for-a-credit-card-of-your-dream</link>
<comments>https://yrboqms.info/entertainment-credit-card-apply-for-a-credit-card-of-your-dream#comments</comments>
<pubDate>Mon, 27 Feb 2023 18:30:35 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://yrboqms.info/?p=54</guid>
<description><![CDATA[Have you ever dreamed about getting an exclusive credit card with which you can pay for everything without worrying about your balance? If you have, then, an entertainment credit card will make your dream come true! You will get a credit card that has absolutely no limit and offers you benefits and perks other card [...]]]></description>
<content:encoded><![CDATA[<p> Have you ever dreamed about getting an exclusive credit card with which you can pay for everything without worrying about your balance? If you have, then, an entertainment credit card will make your dream come true! You will get a credit card that has absolutely no limit and offers you benefits and perks other card users can only dream of!If you have decided to get one you have to know that entertainment cards differ a lot from most credit cards used by regular customers and that is why they are some of the most difficult to get. If you want to apply for this card, you should be aware that you must have an impeccable history of credit card use. Your purchasing power and past credit use will be also checked very carefully. So, these credit card applications are quite challenging!You have probably heard that entertaining credit cards are available to only selected group of people and are typically reserved for high earners; I should admit that it is true.Usually people who earn more than 100.000$ per year are qualified to get one. And it is quite reasonable, because if you have an entertainment credit card, you have to follow very strict rules and regulations, like paying balance in full during 30-60 days, if you do not do so, you will incur large fees on your account.Your account will be cancelled in case of failure to pay balance in full regardless of balance amounts. To be honest, I used to have an entertainment card. Once I had some financial problems due to one awful situation that happened at work. As a result I was not able to pay balance and my account was cancelled. Unfortunately, I will never be able to have this kind of credit card again. As you see the accounts have to be always kept in order. That is why you should earn a lot to afford to pay back charges.Fortunately, large purchases may be given an extension that can be paid out during a few months. For example, charges that are connected with traveling can be paid in 36 months.I also have to point out that the interest rate of entertainment credit cards is rather high, it is usually between nineteen and twenty percent.You will probably wonder why people want to have the entertainment credit cards, then. Is it just a sign of high financial status or something else? There is no doubt that it is very prestigious to be an entertainment credit card owner, but there is much more than that.First of all, most entertainment credit cards have no credit limit, therefore account holders make large charges for any event at any time, without worrying about a credit limit. If you have an entertainment credit card you should never worry about carrying cash on you or going to bank to cash checks, which is really comfortable.Last year my friend Michael (who is the lucky guy, because he has this card) had a big birthday party. It was unbelievable! He invited more than two hundred guests on a huge black yacht that he rented. There were all kinds of things: entertainment, fireworks, loads of food and drinks. I was amazed! Sure enough his method of payment was not cash (believe me the party was very expensive); it was his privileged entertainment card!The other advantage of entertainment cards -is their buying power. It is better than Regular Visa or Master Card even though they are not so widely accepted. As I have noticed before, the entertainment credit cards offer great perks and benefits like insurance and cash advance.Now you can see that entertainment cards are not all about prestige, they are really the best cards one can get. So, if you want to make your dreams come true, go for it, because entertainment credit cards are something to aim for! </p>
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<title>The Best Home Based Business Online</title>
<link>https://yrboqms.info/the-best-home-based-business-online</link>
<comments>https://yrboqms.info/the-best-home-based-business-online#comments</comments>
<pubDate>Thu, 02 Feb 2023 20:17:17 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://yrboqms.info/?p=51</guid>
<description><![CDATA[There are so many home based businesses online… Which is the best? How do we qualify?Many people have come up with different judging criteria. People tend to compare the different business models, and everyone says his or her business is the best! The truth is different business models will suit different groups of people. It [...]]]></description>
<content:encoded><![CDATA[<p> There are so many home based businesses online… Which is the best? How do we qualify?Many people have come up with different judging criteria. People tend to compare the different business models, and everyone says his or her business is the best! The truth is different business models will suit different groups of people. It is virtually impossible to find a business that can satisfy everyone.Most netpreneurs or online marketers are involved in more than one business online, and they will choose one of the businesses and label it as the primary business. However, it is not uncommon to find that the primary business undertaken may not be the main stream of income at all, and doing business online boils down to doing internet marketing for it to be worthwhile.The most vibrant of online businesses would have something to do with internet marketing. Qualified leads, autoresponder system, squeeze pages and traffic generation are all examples of business dealings that have something to do with internet marketing…Anything to do with marketing and web traffic generation will essentially be the most sensible and sought after businesses. It doesn’t, however, mean that businesses selling real products and services that are not related to marketing and traffic generation are not perfect businesses.Health products, games, education, sports etc. are all revenue generating businesses too! So, what is the best business for us? We will never know until we’ve taken the first steps to check things out and literally take the calculated risks to join a business whenever a business opportunity is presented to us.Do we then need to join all the businesses being presented to us? Of course not!Sometimes, the best business for us may not be something we’re familiar with. Usually, we prefer to look for a business that we have a particular interest in. Whatever it may be for you, the key to finding the perfect business is in the reason why we’re looking for a business.For instance, John searches the internet for a home based business so that he can work from home. He doesn’t enjoy his current job and is surfing the internet for a way to earn a full time income away from his boss. Sometimes, the question we need to ask ourselves is this: Are we really looking for another job or are we looking to be our own boss?If you’re looking for another job, then being your own boss may not suit you. When you run a business, your focus is in growing the business, and you need to be disciplined to do only what is necessary, be focused on the big picture and on how to integrate your business processes for growth, and be able to delegate or outsource jobs out to other people in order for yourself to be free from unproductive use of time which is the only irreplaceable resource.When you want a job, you’re looking to use your time to perform a routine task in order to be paid for the time you spend on the task. Well, there are many who have chosen to run a business online, but they are running it as if they were doing a job. It is a common mistake for someone looking to run his/her own online business to end up doing another job. Even for some who are making quite a killing online are killing themselves in the process… So, when someone comes along to enlighten them that they can actually take a break, they may find that quite a difficult thing to do!The job mindset has not been converted to the boss mindset yet. So, beware! Most online businesses can actually become the worst jobs in the world if we start undertaking it as if it were another job. It is such a thin line… The people who are truly enjoying themselves being their own boss are those who understand how to leverage their time and know the difference between a job and a business.Once we know what we’re actually looking for and have the correct mindset in place to run a home based business online, then the next question would be… What are the online businesses available for our taking?Basically, it boils down to SALES. Be it a product or service, we need to SELL it to make money and be in business. Internet Marketing is just part and parcel of this most avoided word… If we are good at marketing over the internet, then we can truly do business online, whatever we SELL. Note, even preselling is a form of selling disguised in the word marketing… In preselling, we prepare the customer to be sold via reviews, “unrelated” topics that will lead the customer to appreciate and see the reason for buying etc.To me, the Best Home Based Business Online must be one that provides us with the essential internet marketing system that most online business seekers need… and this system must be tested to work and be reviewed time and again. It must also be a good income stream with reliable support and a good and solid compensation plan.Well, some time ago, I have found a business that will basically teach anyone how to fish and it meets all the requirements that I’ve personally had in mind. I then joined it right away to see if it is what it claims to be. The point is this: I could have easily chosen to sit and watch the opportunity pass me by… but because I took action, I was able to find out that it’s indeed the perfect business for me.If we don’t check things out and take calculated risks, there’s no way to find out what’s Best for ourselves. To me, it’s a dream business for almost anyone, but I can’t say the same for everyone. Thus, what’s Best is actually subjective and we need to learn to respect the different perspectives held by others and not be pushy about what we view as the Best. When we keep an open mind, we might begin to understand why another person’s Best is something else.So, when someone rejects your offer, never be discouraged. The business is most probably not suitable for him/her. Instead of imposing your views, move on… There are many fishes in the ocean of life =)Let’s look at the Big Picture. If everyone sees the same Best, the world would be quite boring… Don’t you think?With all that said, our BEST today may not stay at the top position tomorrow! It is important to realise that the internet landscape changes very quickly so that we are prepared to adapt to such changes. Cheers! </p>
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<title>Personal Loan – A Useful Tool For Your Personal Needs</title>
<link>https://yrboqms.info/personal-loan-a-useful-tool-for-your-personal-needs</link>
<comments>https://yrboqms.info/personal-loan-a-useful-tool-for-your-personal-needs#comments</comments>
<pubDate>Thu, 02 Feb 2023 17:37:57 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[There is no such thing as a universal best loan deal… Instead, there are different types of personal loans for people with different financial circumstances that can be categorised as follows:Urgent monetary needs like surgery, extended treatments, late education fees, debt consolidation and more Routine monetary needs related to home, business, health, education, wedding, vacation, [...]]]></description>
<content:encoded><![CDATA[<p> There is no such thing as a universal best loan deal… Instead, there are different types of personal loans for people with different financial circumstances that can be categorised as follows:Urgent monetary needs like surgery, extended treatments, late education fees, debt consolidation and more<br />
Routine monetary needs related to home, business, health, education, wedding, vacation, holiday season, vehicle, debts, bad credit and more<br />
Lifestyle luxuries like spa treatment, flying lessons, cosmetic surgery, gambling and more<br />
Based on reason, some of the most popular personal loan varieties are homeowner loans or home improvement loans, debt consolidation loans, holiday loans, car loans, wedding loans, education loans and bad credit loans. One may even find a personal loan for business purposes.<br />
Personal loans have the following sub-types:Secured personal loans for homeowners and property owners<br />
Unsecured personal loans for tenants, homeowners, property owners and studentsAccording to recent statistics, more and more people in the UK are availing secured personal loans, as they are much cheaper than other loan options like unsecured personal loans and payment cards (credit cards, store cards, charge cards and overdrafts).A secured personal loan is availed by offering collateral against the loan amount. Presence of collateral makes it easy for the lender to part with his money and facilitate the borrower with quick attention, high credit limit, competitive low APR, flexible payback terms and negotiable loan conditions. Hence, opting for a secured personal loan makes sense when the monetary requirement is big or credit record is poor or an unsecured loan application has been denied.A secured loan deal has one risk (collateral seizure) – in case of repeated defaults or non-payment, the lender gets the authority to sell the pledged asset to recover his investment. And, one limitation (slow approval process) – the loan application can only be approved after time-consuming property evaluation along with other credibility factors.However, it makes no sense risking a property for something that could be solved by another mean like unsecured personal loan. The most outstanding features of an unsecured personal loan are: no collateral (no deposit against the loan amount), less paperwork (no red tape), quick service (fast loan processing) and no immediate risks in the event of repeated defaults or non-repayment. Hence, opting for an unsecured personal loan makes sense when:The loan seeker is incapable of offering collateral, as he does not own one (tenant) or is living with his parents (student)<br />
The loan seeker is unwilling to get into property related legalities or risk his property for a small amount (homeowner or property owner)<br />
The monetary requirement is small and offering collateral may not be necessary (routine lifestyle needs)<br />
The need is urgent and getting into lengthy property evaluation procedures may not be feasible (urgent needs)An unsecured personal loan too has certain limitations – limited amount, high APR, fixed payback terms, non-negotiable loan clauses – because in the absence of collateral, the stakes are normally high for the lender.<br />
There are a variety of lenders offering personal loans [http://www.loans-bazaar.co.uk/personal-loans.html] in the UK today, from traditional high street banks and building societies to online banks and supermarkets. With varying personal loan deals – APR’s, Payback Methods, Accelerated Repayments, Repayment Holidays, PPI (Payment Protection Insurance) – credit shopping becomes imperative. </p>
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<title>Auto Loans For Bad Credit – They’re Easier to Find Than You Think</title>
<link>https://yrboqms.info/auto-loans-for-bad-credit-theyre-easier-to-find-than-you-think</link>
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<pubDate>Thu, 02 Feb 2023 14:25:02 +0000</pubDate>
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<description><![CDATA[Today, many consumers are experiencing difficulties with debt payments. With this happening for a long period of time, it finally leads to bad credit scores and sometimes bankruptcy. Even after payments are caught up on, the damage can still be seen. The financial crisis of today has made the lending in the banking industry very [...]]]></description>
<content:encoded><![CDATA[<p> Today, many consumers are experiencing difficulties with debt payments. With this happening for a long period of time, it finally leads to bad credit scores and sometimes bankruptcy. Even after payments are caught up on, the damage can still be seen. The financial crisis of today has made the lending in the banking industry very difficult and it is often very hard to finance a new or even used car.Fortunately, for people who have found themselves with bad credit there are now auto loans for bad credit. These have become quite common as almost one quarter of Americans have many flaws on their credit. Therefore, getting an auto loan with bad credit should not be a problem for anyone today.There are a few things that you can do to make sure you do not have any hassles when you are applying for an auto loan:1. Review your credit. Experts recommend that you check your credit report at least once every year for any mistakes or errors. This is even more important if you are applying for a bad credit auto loan. There are many websites that provide you with a free copy of your report every 12 months.2. Determine the amount you want to spend. Before applying for an auto loan, you need to know how much of a down payment and what kind of monthly payment you can afford. There are many car loan calculators available that can help you to determine these.3. Get all documentation prepared. With the application, you may need to provide proof of income and employment. It helps to go ahead and have these in your hand when you are applying for the loan; this will only help to speed up the process for you.4. Maintain a clean credit history. You need to make all payments of debts on time every month. This will help to keep your credit in good standing.Lenders for bad credit auto loansWhen having bad credit, it may be recommended that you find a small car dealer who offers their own financing; this person is called an auto loan broker. They often advertise by saying ‘let your job be your credit’. An auto loan broker is usually one of two types of lenders: a subprime or hard money lender.A subprime lender charges a higher interest rate than the current rate that is charged by most conventional lenders. This lender wants to help customers with bad credit get a decent loan for a good car. Even though, the rates are a bit higher, it is typically not enough to turn buyers away.A hard money lender does not follow the traditional rules that normally protect banks from people defaulting on loans. This lender does not ask for as much information as a subprime lender does and often does not do things like verify income of the customer. This in turn means they have a lot of people who default on their loans so they have to charge a very high rate to compensate for the defaults. When using a hard money lender, the borrower has to have collateral to put up against the loan.The borrower of a bad credit auto loan comes out better if working with a subprime lender. This lender not only helps provide a car with bad credit, but can also help someone who has previously filed bankruptcy and looking for a new start.Advantages of bad credit auto loansAuto loans for bad credit do have advantages that make the entire process worth the time. In the beginning, you may have problems or doubt the idea of getting this loan. But the truth is the advantages of this type of loan outweigh the disadvantages. 1. Quick and easy. Most lenders will ask you to fill out an application and provide a few simple documents, including proof of income, job, expenses, etc.2. Improves your credit score. A bad credit auto loan will improve your credit. Once you are approved for the loan and begin making regular payments, you will see an improvement in your credit score. This is because your debt will be decreasing and you are showing you can pay each month and on time.When applying for a bad credit auto loan, it is best to gather the following information to have with you:1. Income history and stability<br />
2. Current budget<br />
3. Current payment behavior<br />
4. Total debt payments in relation to current income<br />
5. Down payment<br />
6. Whether or not you are filing bankruptcy or not at the current time<br />
7. FICO scoreIf you are in a difficult financial situation, today there is hope for getting approved for a bad credit auto loan. They have been created for people who do not qualify for the traditional loan because of past credit history. There are now many auto dealerships who will take a risk on many borrowers depending on their situation. It may take some work on the borrower’s part, but once approved it will have all seemed so quick and easy. </p>
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<title>S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows</title>
<link>https://yrboqms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows</link>
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<pubDate>Wed, 26 Oct 2022 05:47:45 +0000</pubDate>
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<description><![CDATA[Key Insights The strong pullback in the U.S. dollar provided significant support to stocks. Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500. A move above 3730 will push S&P 500 towards the resistance level at 3760. Advertisement Pfizer Rallies After Announcing A Huge Price [...]]]></description>
<content:encoded><![CDATA[<p>Key Insights<br />
The strong pullback in the U.S. dollar provided significant support to stocks.<br />
Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.<br />
A move above 3730 will push S&P 500 towards the resistance level at 3760.<br />
Advertisement</p>
<p>Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines<br />
S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.</p>
<p>The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.</p>
<p>Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.</p>
<p>Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.</p>
<p>Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.</p>
<p>From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.</p>
<p>S&P 500 Tests Resistance At 3730</p>
<p>S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.</p>
<p>If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.</p>
<p>On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.</p>
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<title>SPDN: An Inexpensive Way To Profit When The S&P 500 Falls</title>
<link>https://yrboqms.info/spdn-an-inexpensive-way-to-profit-when-the-sp-500-falls</link>
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<pubDate>Wed, 26 Oct 2022 05:47:11 +0000</pubDate>
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<description><![CDATA[Summary SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice. This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index. SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF. [...]]]></description>
<content:encoded><![CDATA[<p>Summary<br />
SPDN is not the largest or oldest way to short the S&P 500, but it’s a solid choice.<br />
This ETF uses a variety of financial instruments to target a return opposite that of the S&P 500 Index.<br />
SPDN’s 0.49% Expense Ratio is nearly half that of the larger, longer-tenured -1x Inverse S&P 500 ETF.<br />
Details aside, the potential continuation of the equity bear market makes single-inverse ETFs an investment segment investor should be familiar with.<br />
We rate SPDN a Strong Buy because we believe the risks of a continued bear market greatly outweigh the possibility of a quick return to a bull market.<br />
Put a gear stick into R position, (Reverse).<br />
Birdlkportfolio</p>
<p>By Rob Isbitts</p>
<p>Summary<br />
The S&P 500 is in a bear market, and we don’t see a quick-fix. Many investors assume the only way to navigate a potentially long-term bear market is to hide in cash, day-trade or “just hang in there” while the bear takes their retirement nest egg.</p>
<p>The Direxion Daily S&P 500® Bear 1X ETF (NYSEARCA:SPDN) is one of a class of single-inverse ETFs that allow investors to profit from down moves in the stock market.</p>
<p>SPDN is an unleveraged, liquid, low-cost way to either try to hedge an equity portfolio, profit from a decline in the S&P 500, or both. We rate it a Strong Buy, given our concern about the intermediate-term outlook for the global equity market.</p>
<p>Strategy<br />
SPDN keeps it simple. If the S&P 500 goes up by X%, it should go down by X%. The opposite is also expected.</p>
<p>Proprietary ETF Grades<br />
Offense/Defense: Defense</p>
<p>Segment: Inverse Equity</p>
<p>Sub-Segment: Inverse S&P 500</p>
<p>Correlation (vs. S&P 500): Very High (inverse)</p>
<p>Expected Volatility (vs. S&P 500): Similar (but opposite)</p>
<p>Holding Analysis<br />
SPDN does not rely on shorting individual stocks in the S&P 500. Instead, the managers typically use a combination of futures, swaps and other derivative instruments to create a portfolio that consistently aims to deliver the opposite of what the S&P 500 does.</p>
<p>Strengths<br />
SPDN is a fairly “no-frills” way to do what many investors probably wished they could do during the first 9 months of 2022 and in past bear markets: find something that goes up when the “market” goes down. After all, bonds are not the answer they used to be, commodities like gold have, shall we say, lost their luster. And moving to cash creates the issue of making two correct timing decisions, when to get in and when to get out. SPDN and its single-inverse ETF brethren offer a liquid tool to use in a variety of ways, depending on what a particular investor wants to achieve.</p>
<p>Weaknesses<br />
The weakness of any inverse ETF is that it does the opposite of what the market does, when the market goes up. So, even in bear markets when the broader market trend is down, sharp bear market rallies (or any rallies for that matter) in the S&P 500 will cause SPDN to drop as much as the market goes up.</p>
<p>Opportunities<br />
While inverse ETFs have a reputation in some circles as nothing more than day-trading vehicles, our own experience with them is, pardon the pun, exactly the opposite! We encourage investors to try to better-understand single inverse ETFs like SPDN. While traders tend to gravitate to leveraged inverse ETFs (which actually are day-trading tools), we believe that in an extended bear market, SPDN and its ilk could be a game-saver for many portfolios.</p>
<p>Threats<br />
SPDN and most other single inverse ETFs are vulnerable to a sustained rise in the price of the index it aims to deliver the inverse of. But that threat of loss in a rising market means that when an investor considers SPDN, they should also have a game plan for how and when they will deploy this unique portfolio weapon.</p>
<p>Proprietary Technical Ratings<br />
Short-Term Rating (next 3 months): Strong Buy</p>
<p>Long-Term Rating (next 12 months): Buy</p>
<p>Conclusions<br />
ETF Quality Opinion<br />
SPDN does what it aims to do, and has done so for over 6 years now. For a while, it was largely-ignored, given the existence of a similar ETF that has been around much longer. But the more tenured SPDN has become, the more attractive it looks as an alternative.</p>
<p>ETF Investment Opinion</p>
<p>SPDN is rated Strong Buy because the S&P 500 continues to look as vulnerable to further decline. And, while the market bottomed in mid-June, rallied, then waffled since that time, our proprietary macro market indicators all point to much greater risk of a major decline from this level than a fast return to bull market glory. Thus, SPDN is at best a way to exploit and attack the bear, and at worst a hedge on an otherwise equity-laden portfolio.</p>
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<title>S&P 500 Biotech Giant Vertex Leads 5 Stocks Showing Strength</title>
<link>https://yrboqms.info/sp-500-biotech-giant-vertex-leads-5-stocks-showing-strength</link>
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<pubDate>Wed, 26 Oct 2022 05:46:54 +0000</pubDate>
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<description><![CDATA[Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC). X While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 [...]]]></description>
<content:encoded><![CDATA[<p>Your stocks to watch for the week ahead are Cheniere Energy (LNG), S&P 500 biotech giant Vertex Pharmaceuticals (VRTX), Cardinal Health (CAH), Steel Dynamics (STLD) and Genuine Parts (GPC).</p>
<p>X<br />
While the market remains in correction, with analysts and investors wary of an economic downturn, these five stocks are worth adding to watchlists. S&P 500 medical giants Vertex and Cardinal Health have been holding up, as health-care related plays tend to do well in down markets.</p>
<p>Steel Dynamics and Genuine Parts are both coming off strong earnings as both the steel and auto parts industries report optimistic outlooks. Meanwhile, Cheniere Energy saw sales boom in the second quarter as demand in Europe for natural gas continues to grow.</p>
<p>Major indexes have been making rally attempts with the Dow Jones and S&P 500 testing weekly support on Friday. With market uncertainty, investors should be ready for follow-through day breakouts and keep an eye on these stocks.</p>
<p>Cheniere Energy, Cardinal Health and VRTX stock are all on IBD Leaderboard.</p>
<p>Cheniere Energy Stock<br />
LNG shares rose 1.1% to 175.79 during Friday’s market trading. On the week, the stock advanced 3.1%, not from highs, bouncing from its 21-day and 10-week lines earlier in the week.</p>
<p>Cheniere Energy has been consolidating since mid-September, but needs another week to forge a proper base, with a potential 182.72 buy point formed on Aug. 10.</p>
<p>Houston-based Cheniere Energy was IBD Stock Of The Day on Thursday, as the largest U.S. producer of liquefied natural gas eyes strong demand in Europe.</p>
<p>Even though natural gas prices are plunging in the U.S. and Europe, investors still see strong LNG demand for Cheniere and others.</p>
<p>The U.K. government confirmed last week that it is in talks for an LNG purchase agreement with a number of companies, including Cheniere.</p>
<p>In the first half of 2021, less than 40% of Cheniere’s cargoes of LNG landed in Europe. That jumped to more than 70% through this year’s second quarter, even as the company ramped up new export capacity. The urgency of Europe’s natural gas shortage only intensified last month. That is when an explosion disabled the Nord Stream 1 pipeline from Russia that had once supplied 40% of the European Union’s natural gas.</p>
<p>In Q2, sales increased 165% to $8 billion and LNG earned $2.90 per share, up from a net loss of $1.30 per share in Q2 2021. The company will report Q3 earnings Nov. 3, with investors seeing booming profits for the next few quarters.</p>
<p>Cheniere Energy has a Composite Rating of 84. It has a 98 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share price movement with a 1 to 99 score. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 41.</p>
<p>Vertex Stock<br />
VRTX stock jumped 3.4% to 300 on Friday, rebounding from a test of its 50-day moving average. Shares climbed 2.2% for the week. Vertex stock has formed a tight flat base with an official buy point of 306.05, according to MarketSmith analysis.</p>
<p>The stock has remained consistent over recent weeks, while the relative strength line has trended higher. The RS line tracks a stock’s performance vs. the S&P 500 index.</p>
<p>Vertex Q3 earnings are on due Oct. 27. Analysts see EPS edging up 1% to $3.61 per share with sales increasing 16% to $2.2 billion, according to FactSet.</p>
<p>The Boston-based global biotech company dominates the cystic fibrosis treatment market. Vertex also has other products in late-stage clinical development that target sickle cell disease, Type 1 diabetes and certain genetically caused kidney diseases. That includes a gene-editing partnership with Crispr Therapeutics (CRSP).</p>
<p>In early August, Vertex reported better-than-expected second-quarter results and raised full-year sales targets.</p>
<p>S&P 500 stock Vertex ranks second in the Medical-Biomed/Biotech industry group. VRTX has a 99 Composite Rating. Its Relative Strength Rating is 94 and its EPS Rating is 99.</p>
<p>CRISPR Stocks: Will Concerns Over Risk Inhibit Gene-Editing Cures?</p>
<p>Cardinal Health Stock<br />
CAH stock advanced 3.2% to 73.03 Friday, clearing a 71.22 buy point from a shallow cup-with-handle base and hitting a record high. But volume was light on the breakout. CAH stock leapt 7.3% for the week.</p>
<p>Cardinal Health stock’s relative strength line has also been trending up for months.</p>
<p>The cup-with-handle base is part of a base-on-base pattern, forming just above a cup base cleared on Aug. 11.</p>
<p>Cardinal Health, based in Dublin, Ohio, offers a wide assortment of health care services and medical supplies to hospitals, labs, pharmacies and long-term care facilities. The company reports that it serves around 90% of hospitals and 60,000 pharmacies in the U.S.</p>
<p>S&P 500 stock Cardinal Health will report Q1 2023 earnings on Nov. 4. Analysts forecast earnings falling 26% to 96 cents per share. Sales are expected to increase 10% to $48.3 billion, according to FactSet.</p>
<p>Cardinal Health stock ranks first in the Medical-Wholesale Drug/Supplies industry group, ahead of McKesson (MCK), which is also showing positive action. CAH stock has a 94 Composite Rating out of 99. It has a 97 Relative Strength Rating and an EPS rating of 73.</p>
<p>Steel Dynamics Stock<br />
STLD shares shot up 8.5% to 92.92 on Friday and soared 19% on the week, coming off a Steel Dynamics earnings beat Wednesday night.</p>
<p>Shares blasted above an 88.72 consolidation buy point Friday after clearing a trendline Thursday. STLD stock is 17% above its 50-day line, definitely extended from that key average.</p>
<p>Steel Dynamics’ latest consolidation could be seen as part of a larger base going back six months.</p>
<p>Steel Dynamics topped Q3 earnings views with EPS rising 10% to $5.46 while revenue grew 11% to $5.65 billion. The steel producer’s outlook is optimistic despite weaker flat rolled steel pricing. STLD reports its order activity and backlogs remain solid.</p>
<p>The Fort Wayne, Indiana-based company is among the largest producers of carbon steel products in the U.S. It engages in metal recycling operations along with steel fabrication and produces myriad steel products.</p>
<p>How Millett Grew Steel Dynamics From A Three Employee Business</p>
<p>STLD stock ranks first in the Steel-Producers industry group. STLD stock has a 96 Composite Rating out of 99. It has a 90 Relative Strength Rating, an exclusive IBD Stock Checkup gauge for share-price movement that tops at 99. The rating shows how a stock’s performance over the last 52 weeks holds up against all the other stocks in IBD’s database. The EPS rating is 98.</p>
<p>Genuine Parts Stock<br />
GPC stock gained 2.8% to 162.35 Friday after the company topped earnings views with its Q3 results on Thursday. For the week GPC advanced 5.1% as the stock held its 50-day line and is in a flat base.</p>
<p>GPC has an official 165.09 flat-base buy point after a three-week rally, according to MarketSmith analysis.</p>
<p>The relative strength line for Genuine Parts stock has rallied sharply to highs over the past several months.</p>
<p>On Thursday, the Atlanta-based auto parts company raised its full-year guidance on growth across its automotive and industrial sales.</p>
<p>Genuine Parts earnings per share advanced 19% to $2.23 and revenue grew 18% to $5.675 billion in Q3. GPC’s full-year guidance is now calling for EPS of $8.05-$8.15, up from $7.80-$7.95. The company now forecasts revenue growth of 15%-16%, up from the earlier 12%-14%.</p>
<p>During the Covid pandemic, supply chain constraints caused a major upheaval in the auto industry, sending prices for new and used cars to record levels. This has made consumers more likely to hang on to their existing vehicles for longer, driving mileage higher and boosting demand for auto replacement parts.</p>
<p>Fellow auto stocks O’Reilly Auto Parts (ORLY) and AutoZone (AZO) have also rallied near buy points amid the struggling market. O’Reilly reports on Oct. 26.</p>
<p>IBD ranks Genuine Parts first in the Retail/Wholesale-Auto Parts industry group. GPC stock has a 96 Composite Rating. Its Relative Strength Rating is 94 and it has an EPS Rating of 89.</p>
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