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Before the onset of the credit crunch there was a stigma attached to secured loans Khalen Saunders Authentic Jersey , which prevented some people from exploring their benefits. However since the credit crunch more people are being forced down the secured loan route because a majority of the unsecured lenders have decided not to lend anymore. Unfortunately the unsecured lenders are not the only ones that have suffered as a result of the credit crunch; there has also been a significant reduction in the number of secured lenders in the market place. The ones that are left have also tightened their underwriting criteria making it more difficult for people to get approved for a loan.

SO WHAT IS A SECURED LOAN?

A secured loan is a loan that is secured on your property. When you take out a loan of this type the lender will place a charge on your property, which means that if you fail to repay the loan the lender has the ability to force the sale of your home to recoup their money. This is the main reason that there are more secured lenders than unsecured i.e. the lender is more likely to get their money back.

SO WHAT ARE THE BENEFITS?

There are a number benefits of secured loans as opposed to unsecured loans and they are detailed below.
1) They are available for larger amounts up to 拢100,000 if you have enough equity in your home.
2) They can be taken out for a longer period of up to 25 years which spreads the cost and reduces your monthly repayments.
3) They are more likely to be approved, even for people with bad credit.

Because of the reasons mentioned above they are ideally suited to be used as a means of debt consolidation.

To consolidate is to repay all your existing finance including any credit cards and unsecured loans Juan Thornhill Authentic Jersey , by means of taking out a larger loan at a better interest rate and spreading the costs of repayment over a longer period.

When used wisely debt consolidation can have such a huge impact on not only your financial situation, but it can also provide a new found peace of mind. Especially if you have been struggling to make ends meet and pay your bills as and when they come in. This is by far the most sensible option open to you if you are finding it difficult to keep up with their finances and can even help to improve your credit score. By consolidating your debt and managing to keep up with the repayment plan you are demonstrating that you have a firm grip on your finances. Do not however be tempted to start using your credit cards again, as that could put you in a worse situation than you are already in.

In Summary

Secured loans can still be arranged in today's economic climate, and can be really helpful to those of us who might be finding it difficult to make ends meet. Especially when used to consolidate debt and help get your finances back on track.



People are the life-blood of your business and talking to as many people as possible will keep your business dynamic and fresh. Fundraising events such as craft fairs Mecole Hardman Authentic Jersey , school fetes, office displays at lunchtime, Christmas bazaars, ladies pampering evenings and charity fund days are a fantastic opportunity to promote your business at a local level.


Why? Well Spencer Ware Authentic Jersey , what's exciting about fundraising events is that they are a massive market of different groups of people that your business wouldn't easily get to - charity groups, school PTA members and parents, mothers from the playgroup, church groups Justin Houston Authentic Jersey , sports clubs, league of friends, church groups, people in offices Eric Berry Authentic Jersey , local businesses, local hospices, special interest groups, womes groups Tyrann Mathieu Authentic Jersey , Brownie and Cub packs to name a few.


I spent over 5 years in party plan and during that time I developed a system for ensuring that I never ran out of sales, new customers and leads. I made sure that a significant proportion of my business was fundraising based. I attended school fetes and Christmas craft bazaars. I gave talks and demonstrations at ladies coffee mornings, charity lunches, social evenings and had displays at lunchtimes in office blocks. Usually Patrick Mahomes Authentic Jersey , the charity received a percentage of my sales or charged a small fee for my display space. It was a win-win situation for my business and the fundraising groups - they raised funds and I grew my business!


By attending a fundraising event you can raise the profile of your business locally, generate new customers, sales, leads and bookings. It really is a very cost-effective way of promoting your business at a grass-roots level in your local area Frank Clark Authentic Jersey , without paying for advertising. Try it! You'll be amazed at the results!


Good luck with your business.


is a UK wide directory for fundraisers. It connects fundraising groups with the people and small businesses in their area that can help them with their fundraising. It聮s also full of advice, hints tips and ideas for small businesses and fundraisers. - connecting the right people!


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Fri Mar 13, 2020 1:08 am
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Joined: Wed Mar 25, 2020 2:44 am
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I don’t really like this sort of stuff. It’s just not my cup of tea. I'll better find something nice here on Painting Essay. :P


Wed Mar 25, 2020 2:51 am
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