Sunday, November 20, 2011

How To Get A Loan With A Lousy Credit Record

!: How To Get A Loan With A Lousy Credit Record

It seems like every time you turn on the television or open a newspaper there's another story about how much debt Americans are in. Too many are so deep in debt that they have no idea how to get out of it. As a result, more people are falling behind on their bills and ending up with a bad credit history. So now that you've made a mistake or two and stuffed up your credit record, will you be able to borrow money?

I'd like to give you a straight and unequivocal answer of yes, but that's not reality. In fact, whether or not you will be able to borrow depends on exactly how bad your credit report actually is. Remember, too, that not all lenders are keen to lend money to risky borrowers, and if they do, they will almost certainly charge you an extremely high interest rate. Some lenders regularly charge over twenty percent for their poor credit loans. Credit cards will often charge default interest rates of around thirty percent if you miss a couple of payments. The problem is that it's a self-fulfilling prophecy - you miss a payment, they charge you more interest, so your next payment is higher, which makes it harder to pay - and down you go. No wonder bad credit histories are rapidly increasing.

Unfortunately, if you have a poor credit history and still want to borrow money, you're going to have to accept that your best chance of success is to pay the high interest rates and get a bad credit loan. Be very sure that you will be able to meet your payments, because if you mess up on a bad credit loan, it will be almost impossible to get another one. But it's worth looking for lenders that offer to reduce your interest rate after you've made your regular payments on time for a set period. Either that, or once you've established a regular payment history for a reasonable period, you may be able to refinance elsewhere at a lower rate.

It's important to do your homework before applying for a bad credit loan. There are a number of companies that service this part of the market, so do your research and make sure you're comfortable with the terms the lender you choose is offering. Avoid the loans known as payday loans, which say they're giving you a loan in anticipation of your next paycheck. The last thing you need to start doing is spending your pay before you even get it, and with rates of up to 400% interest, chances are you're going to end up in even more trouble. Even if it's only a short-term loan, it's just not worth it, and these are the worst bad credit loans you can get.

Make sure you read any loan contract carefully, and this is particularly important for bad credit loans. Read the fine print, and do the math. Unfortunately many companies try to take advantage of people with poor credit, and make good money from your misfortune. Yes, reputable companies will still charge you a high interest rate for a poor credit loan, but that's more about risk management than because they want to rip you off. Research the company you're dealing with, and always check the Better Business Bureau's website to make sure they're a reputable lender.


How To Get A Loan With A Lousy Credit Record

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Thursday, November 17, 2011

UK Family Tree Research - Using Birth Certificate and Census Records

!: UK Family Tree Research - Using Birth Certificate and Census Records

Hard copy birth certificates will help you use the online census records as they provide important parental details. I hope I can give you some practical family tree help in this article. I have been met with many a brick wall that should have stopped me in my tracks. Yet with a little lateral thinking and lot of patience you can overcome many family tree problems and continue your research.

UK Birth Certificates contain following information:

Registration and General Register Office (GRO) Reference:

The GRO was set up in 1836 by an Act of Parliament. All births, marriages and deaths were recorded from 1st July 1837. Every event was allocated a unique reference by the GRO. Before 1837 there was no requirement to notify anyone but people did get their children baptised. If you can't find a birth certificate you may find a baptismal record within parish records.

One thing to remember is that parents didn't always baptise their children straight away and often baptised several of their children at the same time. A baptism date isn't a birth date, children could be baptised years after their birth. Before 1875 there was no penalty if parents did not register their child's birth and there was also confusion as to whether you had to register your child if he had already been baptised, hence there are gaps in the birth registration for children.

The Date of Birth:

During your research you may find the recorded date of birth for a particular ancestor varies from one census to the next. Some people didn't know how old they were, or the enumerator would guess their age, whereas others didn't want their spouse to know their correct age. My own grandmother would routinely take 10 years off of her age whenever she met someone new!

District:

There are many sub districts within a district for the registration of birth / marriage / deaths. For example, if a person was born in Southwark the birth would have been recorded in one of the 5 sub districts depending on proximity to where the person lived.

Full Name:

When is a name not a name? I could not find the genealogical link to my paternal grandfather and without him I couldn't progress any further back. My parents told me his name was William, but he made things difficult by not being consistent and recorded his name as William or Christopher on different census records.

Your grandmother may have liked to be called Annie, but she may have been christened Ann, Annabel or Anastasia. Annie could have been her middle name or her birth certificate may record her as Doris Ann. Where do you start? When you locate the census record containing her correct birth name, there is a danger that you may discard it in error. I learnt an important lesson from this which was to subsequently save me a lot time and frustration.

When you ask family members about grandparents, aunts, uncles, great grandparents etc. remember that the names they give you may not tally with the official birth name.

Father's Name:

This is the jewel that will unlock the next paternal generation.

Mother's Maiden Name:

Another jewel, as you will now have access to the maternal side of the family. The surname against the mother is very informative on a UK birth certificate. If she has not been married before, then she will be shown for example, as Jane Smith formerly Jones, meaning that she is married and her maiden name was Jones. If she has been married before she will be shown for example as Jane Brown, late Jones (maiden name), formerly Smith (her previous married name). Before 1969 all previous names had to be recorded.

Occupation of Father:

This piece of family history will help you on the census records. You may come across people with the same name, date and place of birth. I have found exactly that in my own research. Using all the pieces of verified information that you have, you will be able to pick out the right ancestor. Looking at the two entries, if one is a solicitor and one is a bricklayer and the birth certificate you are holding says the father is a bricklayer you have your answer.

Pick out the nearest census to the age of the child's birth certificate and locate the matching name with the occupation of bricklayer. I know this isn't failsafe but you will be using other verified information to tie the ancestor into your UK family tree.

The online census is a fascinating set of records, documenting people, their lives, family, occupations and also the migration of people at different times, but they cannot be assumed to be correct. You will find many omissions, transcript errors, missing records, illegible names. For example daughters recorded as sons, spouses not recorded and the odd child who appears to be living on their own in a household.

I am afraid this is all true of online census records, but you forgive all of this just to be able to move forward with your UK family tree.


UK Family Tree Research - Using Birth Certificate and Census Records

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Monday, November 14, 2011

Tips For Left Handed Golf Drivers

!: Tips For Left Handed Golf Drivers

When you are looking for left handed gold drivers, you should always consider the quality, the value, and the performance. The main aim of the drivers is to perfect the shot. Various companies produce different sizes and shapes of the drivers and the shape of the driver is determines the type of shot that you will take. The Square drivers are the best for square shots since they push the ball with the flat face and the ball moves straight when you want to take a straight shot to the hole. The difference between the left handed and the right handed drivers is the side of the face and the point of connection to the club. These are connected facing the left while the others face the right.

Most of the left hand drivers have a crown shape. These are meant to take arced shots. For the heavy drivers, they are meant to hit the ball as far as possible. The weight pulls the club down and adds to the speed and when it pulls the club down, it lowers the center of gravity thus giving the ball a perfect shot. These are some of the reasons most of the left golfers are known for the longest distance shorts. These drivers are not made for forgiveness. Most of them are made for a mid-high shooting angle and the diameter of the driver determines how far the ball will go. A thicker driver could be an indicator of a heavier club and therefore a stronger shot. You could also consider the flex when you are choosing a good club.

You should always get a driver that suits your shaft. However, to save yourself from the trouble of having to get a compatible driver, it is always advisable to get the two together. One of the most famous drivers is the spine. It is known for its consistency and perfection of the shots. It is used by most of the 17 inch handicappers and it has set a record of the most wins that have been managed by left hand golfers. It is also known for durability and good flex. Some of the drivers come with a traditional head. These are the best for starters and then you could graduate to the crown superstructure later after you have perfected taking the shots with the traditional headed driver. The crown superstructure is preferred by the pros since they have perfected the shooting angles.

Geometry matters most when you are choosing a driver for the left hand. The driver should always be capable of taking a high speed swing of up to 100 meters per second. You can shop for the drivers online but getting them at a golfing shop near you is the best way f shopping since you get to test the accuracy. Online sellers get the drivers delivered to your place of work so it is also an option of getting them while you are not close to a golf shop.


Tips For Left Handed Golf Drivers

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Wednesday, November 9, 2011

Keeping the Record Straight - Good Business Record Keeping

!: Keeping the Record Straight - Good Business Record Keeping

Most business owners know that they should be keeping records; many err on the side of caution and simply keep everything; every receipt, every piece of paper, every ticket. This is completely understandable, everyone knows that HMRC will need it eventually and even if they don't the accountant surely must, but how sensible is it really to hoard every piece of confetti associated with your business and is it really necessary?

In truth good record keeping is absolutely vital for all businesses, but this does not mean that it is crucial to fill every space you have with paper; understanding exactly what you need to save and how long you are obliged by law to keep it for can be confusing, but the answer is not simply to squirrel everything away.

Storage space and collating time obviously have to play a part in the story, because realistically, neither the Revenue nor the accounting profession expect you to spend your entire working life filing everything into boxes; there are however some things that absolutely must be recorded kept safe.

In the plainest of terms you should be carefully recording, preferably using a good accountancy software package or even simply an Excel spreadsheet, all financial transactions of the business, including all income, regardless of source, all out goings & expenses and records of all staff, however fleeting. All financial and staff records must be kept for a minimum of six years.

There are of course important reasons why you need to be keeping these careful records; your income and expenditure needs to be recorded for tax purposes, not simply to ensure that you pay enough, but also to prevent you having to pay too much and because HMRC can request these records even years after you have paid your taxes, it is vital that they are kept safely.

It is not just Her Majesty's Government that may require your business' financial records to be in tip top condition; if at some point, as most businesses do, you require funding from outside sources, be it from a high street lender or a private investor, they will doubtless require accurate financial records going back a number of years. Other financial organizations such as insurance companies will also often need some financial history before agreeing to provide insurance for your firm and so being able to produce these quickly will benefit the smooth running of your business.

If at some stage in the future you wish to sell your business, having the right financial records will allow it to be valued correctly and ensure that you receive a fair price.
The most important thing to remember about record keeping for your business, is that it is more about quality than quantity; your accountant and/or The Revenue will not be impressed by a store room crammed to the hinges with files, what they need is simply, accurate and thorough records kept using a simple system. Keep the records clean and intelligible and easy to access and if in any doubt as to what you should be recording speak to your accountant and ask them to run through what is needed in layman's terms. Bookkeeping for your business should not be a complicated affair, so don't over-bake it. Keep your records clear, complete and for a minimum of six years. Good Luck.


Keeping the Record Straight - Good Business Record Keeping

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Wednesday, November 2, 2011

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