Personal Needs, Personal Loans

Everyone has personal needs, and in some cases their personal needs may require money that they don’t currently have. A personal loan is perfect for those little needs, and an unsecured personal loan makes obtaining that extra cash a stress free experience.

Unsecured personal loans are becoming increasingly popular. Secured loans require some kind of guarantee to the lender, such as property. This involves getting the asset valued, which takes time and can put additional stress on the applicant. Unsecured loans don’t involve this process, as applying is so simple and easy, many customers are benefiting from applying online.

Unsecured personal loans can be used for a variety of different reasons. The usual loan range is from £1000 to £25000 and the terms run between 1 to 10 years. The amounts can be used to get that new car you’ve always wanted to helping you start up a business, whatever your reasons, there is a deal to suit your needs.

These loans are usually open to anyone, even people with not the best credit history; the only clause is the higher interest rate that you’ll have to pay if you’re more of a liability. The availability online has also really benefited the customer in regards to competitive rates and deals. The majority of unsecured loan providers are using the internet to make sure they can get custom, this is great for the customer as there are so many options to choose from, and so it’s even easier to find the right deal for your needs. The use of the net also makes these loans accessibly all day everyday, which indeed attracts more people to them. With so many providers online, it’s always in your best interest to compare prices, make full use of price comparison websites, and never just settle for the first deal you come across.

Compare prices online to find the best personal loans. Shop around for stress free unsecured loans. Whatever your needs, the perfect loans is just round the corner.

4 Ways to Make Money as a Travel Writer

Have you ever wanted to travel the world and make money for writing about what you see? It’s not as hard as you may imagine. Using a few underground techniques, you can be making a healthy income in no-time flat for writing about traveling the world!

Here are the ways you can make money as a travel writer:

1) Traditional Method: Selling Your Stories To Travel Magazines and Newspapers.

This is the most common and most well-known method. Ironically, it also pays the least of all the methods.

You can take two paths when selling your article to a magazine. First you can query a magazine on their interest about a particular subject. If interested, they will agree to buy your article if it meets their standards. The second method is to write the article, then try and sell it.

To find magazines and periodicals that purchase travel stories, go to the library and check out the most recent Writers Market and you’ll have over a dozen periodicals that pay anywhere from a few hundred bucks to a few thousand dollars for an article.

The risky side to this is that there are no guarantees of payment, and you must either have a great story or be a great writer to make this work. Not impossible, just tough.

2) Writing For Other People’s Blogs.

If you can write a 400-1500 word post on any given subject, you can sell the post to a blog at a set price. Heres why: Blogs constantly need new content. It’s how they stay fresh with their readers and how they stay well-ranked in the search engines.

However, writing a new post every few days is a difficult task! If you take over that task for a blog owner, you’re going to be saving them a TON of time and effort, providing their readers with great value, and making an income for a project that is relatively easy for you to complete.

You can get paid anywhere from 20 bucks to a few hundred dollars for this kind of writing… and it’s a LOT easier to do that writing for a magazine.

Think of it: You spend a day writing 5 articles and sell the articles for $30 dollars each. Now you’ve made $150 dollars for a couple of hours of work and everyone is happy.

3) Writing for Your Own Blog.

Another option is to write your own blog and use your travel stories to drive traffic to it. You’d be surprised at the number of bored, lifeless people who want to live vicariously through someone traveling the world. You can then monetize your blog by selling adspace or selling products related to your blog. This sounds basic, but it has made many-a-traveler tens and even 100’s of thousands of dollars per year.

4) Completing Writing Projects on ‘Project’ Sites.

There are literally hundreds of writing projects posted every single day on Elance, Guru, DoMyStuff, and other ‘project’ posting websites.

All you have to do is set up a free account as a content provider, then answer people’s requests for writing projects. Once you’re done, the funds will be electronically deposited into your bank account, and you can withdraw the money from any ATM in the world. You can then pick up another project… or complete several projects all at once!

Many projects go for $1000+ dollars, so it doesn’t take a lot of these to be able to travel well and travel often. You can even do the work on the airplane ride to your next destination!

If you have any writing skill at all, you will be able to pick one of these methods and become a well-paid traveler.

Choosing The Right Product To Sell On Ebay

With little investment, eBay offers a solid opportunity for people to start their own home based business, but only if they take the time to educate themselves and know what they’re doing. Did you know that a Corvette sells on eBay every 46 minutes, a diamond ring every six minutes and a digital camera every 90 seconds.

In the first years of it’s existence eBay was not a very competitive place. If you wanted to sell your old LP’s on eBay, you could probably rest assured that you were only one of a handful of people doing that. Things have changed and the competition on eBay today is much more fierce. But before you throw your hands in the air and give up you should also note that the buying market has also increased exponentially. Or to put it more simply: even thought the number of sellers increased, so has the number of buyers.

What you decide to sell is up to you, but understand that a bit of planning can go a long way towards making you successful and giving you less headaches.

Depending on your choice for merchandise you may be a low volume seller or a high volume seller. You can make money either way as long as you understand the economics of the situation. Of course you can be a low volume seller and list one or just a few items at any one time, each with high profit margins. You can also be a high volume seller who conducts many auctions at the same time typically more than 10 at any one time, but each sale generally has a lower profit margin.

Before you settle on what you will sell you should know that eBay has some rules on what you can sell. If you violate eBay policies you can have your listing canceled and forfeit listing fees your account may be suspended and you can lose power seller status. On the list are included obvious things like adult material, alcohol, contracts and personal information for example.

You are going to be spending a lot of time finding out about and researching the items you choose, their value, and write descriptions… so you might as well enjoy yourself. If you stick to items that you like it will make your life a lot easier, so sell items you know about. As always, there are exceptions to the rule and we will be discussing these later on.

You may want to go with the crowd and stick with the most popular categories or take the road less traveled used eBay Pulse to view the 10 most popular categories each day. The eBay Pulse is very useful if you need to know what’s hot selling-wise on eBay.

You can also make money being a reseller, reselling new items that other businesses could not dispose of. This is how it works: you buy out remainder lots from businesses disposing of unsold inventory, maybe last year’s models (some people don’t have to own the newest camera or the latest fashions) and you then sell each new item for more than you paid for it.

If you choose to sell your own crafts on eBay then you should do a little math before you start and see how much time and effort it takes you to create your item, list it, ship it if sold and the profit you’ll be making. You certainly don’t want to be working 5 hours on something to make only $10.00 in profit when all is said and done.

It is important to discover untapped selling opportunities that you can exploit to make money. One of the first places to start by looking at the popular items featured on eBay by page. Go under "Categories" and drill down into the sub-categories and see what sells. You will notice the bestsellers in various categories such as DVDs and CDs and books.

Another place to look is at Seller Central - your source for the latest seller tips and tools. There are also services, such as Terapeak which give you sell-through rates and information on trends, what’s hot and what’s not. These services start at around $14.95 or $19.95 per month.

Services like this help you find the categories and merchandise with the best sellthrough rates.

In general, it is recommended to find a niche. This can help differentiate you from other sellers on eBay. This is a good strategy but remember that your niche must have a decent market. In other words, you may find something to sell that nobody else, or very few, are selling on eBay… but if the market is too small it may not be worth your time and effort.

Dropshipping is also a very popular method. With dropshipping you don’t actually stock the merchandise. You just sell it and have the manufacturer ship the item directly to the buyer. Some good dropshippers will make it look as if the item came directly from you. I know at first glance this seems great, but remember that everything comes at a price. The profit margin in dropshipping is dramatically lower and sometimes dropshippers may create problems for you, such letting you know after you’ve sold an item that they actually ran out of it. This doesn’t bode well with customers. Still, in some circumstances dropshipping can work.

Always remember to be positive and do your homework. Stick with products you know or you like and most importantly: Get Out There! The only way to learn is by doing.

Cash in on Fast Payday Loans

An instant payday loan provides you with an unsecured, short-term cash advance until your next payday. This instant payday loan can be used to cover small, unexpected expenses that pop up when least expected. Also, by enabling you to sustain your balance in your account, and make payments on time, these loans can help you in avoiding costly bounced-check fees and late payment penalties.

For most of us, the end of the month or being faced by a financial emergency meant trouble, and raising cash until payday loans became popular, could pose numerous problems. But with the convenience of the instant pay day loans being deposited in your checking account or savings account payday loans have become very popular. So with this option of raising cash as and when required without any complicated processing, you need not worry even if your pay day is still far off.

Easy steps to get same day pay day loans

Applying and qualifying for an instant payday loan is quick and easy. In most cases, you don’t even need to fax any documents for these short term pay day loans. You can apply for same day pay day loans online by simply filling in the information required by the no credit check payday loans provider.

As soon as your instant payday loan is approved, it is deposited directly into your checking or savings account. This is the reason why short term pay day loans are also called fast payday loans. Also, virtually anyone can apply for instant pay day loans. Even if you have no credit, bad credit or have filed for bankruptcy, you can still get instant pay day loans. As a result, these can also be called ‘no credit check payday loans’.

Applications for checking account or savings account payday loans received by noon Eastern Daylight Time are usually deposited the next day. Weekend applications for checking account or savings account payday loans are treated as being received on Monday. Either way, you would have the cash soon enough to deal with your expenses.

The cost and payment of fast payday loans

Most lenders do not charge applicants a fee to qualify for a payday cash advance loan or for the saving account payday loan. The charges of fast payday loans or same day payday loans vary across the value of the loan, just like in the case of all other loans. As an example, in case of an instant payday loan of $200 loan for up to 15 days, the charge would be approximately $60.

The payment options available for most fast payday loans are quite flexible and are customized to suit your requirements. To get short term payday loans you need to give an authorization to the company that is giving you the loan, to deposit the amount in your account and to collect the same day cash loans amount and the loan fee on your next pay day. Raising cash until payday loans came into being, was quite a problem; but with these same day payday loans readily available, it is not a problem anymore. Depending on the account that you have, you can opt for a saving account payday loan or for checking account same day payday loans.

Getting an extension on same day pay day loans

So far, getting cash until payday loans came into being, was a problem. Now, you even have the opportunity to get an extension on your ‘no credit check payday loans’. An extension request for the same day cash loans has to be submitted 3 days before the payday due date. Also, you have to pay extra fee for the fast payday loans, but then that is a better option than being in a position where you have no cash at all.

Once you pick this option, your saving account payday loan will be extended for another 15 days. You can apply for an extension on your same day cash loans for up to a maximum of four times.

Don Beyer is one of the top experts in the no fax payday loans industry today. He has spent last several years studying the online payday advance http://www.200cash.com business.

Types of Credit Card

You should be able to find several indispensable facts about credit card in the following paragraphs. If there's at least one fact you didn't know before, imagine the difference it might make.

Still discussing on types of credit card – in this article we will be discussing about other types of credit cards like Balance transfer credit cards, low interest credit cards, airline mile credit cards, and reward credit cards among others. Let’s start with Balance credit card.

Balance credit cards are unsecured standard cards designed to allow consumers to save money in interest charges by transferring higher interest credit card balance onto a lower interest rate credit card.

Low interest credit cards are other types of non secured standard credit card. They offer either low introductory APR that change to a higher rate after a certain period of time or a low fixed rate. You can take advantage of the low introductory APRs to make larger purchases for now and pay them off several months later.

Air Mile Credit cards are cards that are good for people that travel frequently or planning to go on vacation. It’s a form of reward card that allow you opportunity of obtaining a free airline ticket. You will need to accumulate specified air miles before you can be entitled to free ticket. All accumulated mile points will be based on dollar amount of your credit card purchases over a period of time based on predetermined point level.

The information about credit card presented here will do one of two things: either it will reinforce what you know about credit card or it will teach you something new. Both are good outcomes.

Specialty credit cards are other set of standard non-secure cards designed specifically for individual business users and students with unique and special needs.

Make sure that you study the terms of any of the card that you pick very well to avoid risking your credit rating. Also, when you pick any of the reward cards make sure you study the forms and offers very well because credit card issuing companies do offer different reward programs and their promotional offers often change. So make sure you thoroughly look over the card’s terms and conditions of each specific card before applying.

Is there really any information about credit card that is nonessential? We all see things from different angles, so something relatively insignificant to one may be crucial to another.


Masni Rizal Mansor provide tips and review on credit card application.

Commercial loan for your hotel property

Getting a commercial mortgage for a hotel property is very similar to getting a commercial mortgage for an owner occupied commercial property with a few subtle differences. The driving force for the majority of most hotel income is the RevPar or revenue per available room. RevPar is most commonly calculated by multiplying a hotels average daily room rate (ADR) by it occupancy rate and is a key indicator of performance. Rising RevPar is an indication that either occupancy is improving; the ADR is increasing, or a combination of the two.

Although RevPar only evaluates the strength of room revenue, it is typically the most relevant indicator of performance. While many full service hotels generate revenue through other means such as restaurants, casinos, conferences, spas, or other amenities the majority of hotel properties are either limited service flagged properties or limited service unflagged properties. A limited service hotel is simply a hotel with out a restaurant. Because the operating costs of the restaurant component generally run higher than that of the hotel operations, it is common for the net operating income (NOI) as a percentage of total sales to be lower for a full service than a limited service hotel. For this reason the majority of commercial lenders prefer to finance limited service hotels.

Flagged vs. Unflagged Properties:

A flagged hotel property is simply a hotel that belongs to a national franchise. An example of a flagged property would be a Holiday Inn or a Best Western. For the guest, a flagged property provides the benefits of a uniform standard that is upheld by the franchisor. A guest could stay in a flagged property on the east coast and could expect the same flag on the west coast to have the same standard of cleanliness and amenities. The owner of the property gets the benefit of a nationwide reservation system and marketing. For this benefit the operator is expected to pay a franchise fee which can typically range anywhere from 5% to 10% of room revenue. Because of the advantages that a flagged property has, most commercial lenders prefer to finance them over an unflagged property. Sometimes it can be extremely difficult to get a commercial loan for an unflagged property, especially if the property isnt in what is considered a destination resort area. A destination resort area would be an area like Miami, Myrtle Beach, or Orlando FL. An unflagged property in a destination resort is easier to obtain a commercial loan on than an unflagged property in other areas of the country.

Exterior Corridor vs. Interior Corridor:

An exterior corridor property is a hotel property where you can actually see the door to the rooms from the exterior of the property. These are sometimes referred to as a motel instead of a hotel. The term motel is actually derived from the term motor hotel where most travelers would park their vehicle directly in front of their room. While there are disagreements between what defines a motel and what defines a hotel, there is typically very little difference between the two outside of a lenders perception.

Most exterior corridor properties are older and subsequently will not have the quality of furnishings and will have more deferred maintenance than an interior corridor property. An interior corridor property is going to be more energy efficient and would have a lower utility expense as a percentage of gross revenue.

Financing Your Hotel Property:

When trying to get a commercial loan for your hotel property there are a few distinct differences you can expect as opposed to financing other commercial properties. A hotel property is considered special purpose in nature which simply means that it is generally cost prohibitive to convert it to alternate use. An office building or retail space can accommodate numerous types of businesses whereas a hotel property can only accommodate a hotel. Because of this a commercial mortgage for a hotel is going to be considered riskier to the lender than a commercial mortgage for other general purpose property types. A lender will mediate this risk by taking a more conservative approach to underwriting a hotel property.

The loan to value (LTV) for a hotel property will be lower than other general purpose property types. For a limited service, flagged property 65% LTV is typical and that number can go down depending upon the age of the property and whether its interior or exterior corridor. The LTV is simply a ratio calculated by dividing the loan amount by the value of the property. The debt service coverage ratio (DSCR) for a hotel will also need to be higher than that of a general purpose property type. The DSCR is a ratio that determines the strength of the property or business income in relation to the proposed mortgage payment. A typical required DSCR for a hotel property by a commercial lender is 1.30 which simply means that for every $1.00 in proposed mortgage expense there should be $1.30 available to pay it. For other general purpose property types the DSCR is lower. A DSCR of 1.20 is common for general purpose property types and can go oven lower for a less risky property such as an apartment building.

Because the acquisition of a hotel property under a conventional program requires a large capital injection, many borrowers prefer to purchase a hotel property by utilizing the SBA 504 program. This program enables the borrower to put in as little as 15% and still obtain a better interest rate than a traditional commercial mortgage for a hotel.

This article has been provided courtesy of commercialmortgage.net. Commercial Mortgage is a Hotel Commercial loan division of Griffin Capital Funding offers hotel loan and hotel financing with no personal guarantees, favorable loans rates and good terms.

Refinancing Online - Saves Time And Money

Today’s consumer is now empowered to get the best type of loan for their financial situation because of online Internet access and the many websites like Loan Solution Center that cater to the needs of people with bad credit. When you have bad credit and are trying to get a mortgage loan or refinance your bad credit there are some important aspects that can make the process hassle free and you can Eliminate High Interest Debt easily.

What Is A Bad Credit Mortgage Company?

A bad credit mortgage loan is a loan based on the equity in your home. This type of loan can help you in lowering your overall interest payments and monthly payments, and also in consolidating all your debts and is very helpful in repairing your credit.

On taking out a bad credit mortgage loan, you can make all the payments that is affordable to you. A bad credit secured loan is availed against collateral. The presence of collateral ensures to a lender that his money is safe which makes the loan approval easier for a borrower. The most popular options for bad credit mortgage loans are cash out mortgage refinance, and a home equity loan. What more! You can also take advantage of more benefits associated with bad credit mortgage loans like low interest rate, extended repayment duration and a small monthly installment. Both these options would allow you to rely on the equity that you have paid on your home, and use its value to come out of all your debt troubles.

You can move all your credit card payments with a high rate of interest into a lower interest payment with the help of a debt consolidation bad credit mortgage loan. This will simplify the payment of your bills, lower your monthly payments and also improve your poor credit situation. Eventually, you would notice an increase in your credit score.

In order to convince the lenders to provide you with a bad credit mortgage loan, you need to increase the down payment and cash reserves. The lower your credit score, the larger is the down payment required on the bad credit mortgage loan. Higher cash reserves would convince the lender that you would be able to cope up with the payments in case of any emergency occurrence.

Bad credit mortgage loans can also be taken through online mortgage brokers. With today’s online mortgage brokers, it’s easy for you to get the information you need. This takes far less time, because there is little paper work involved while shopping for the best deal online. This can help you get a lower interest rate, because mortgage brokers are very competitive to earn your business. One of the biggest advantages is you don’t have to run all over town pulling credit reports and talking to multiple lenders. Online mortgage lenders can give you multiple quotes from many lenders. However, you must thoroughly check the rates in the loan market before choosing any one lender so as to get the loan on favorable terms.

How To Find The Perfect Bad Credit Mortgage Company?

If you have a bad credit score, then you need to choose the best bad credit mortgage company if you want to get a mortgage loan. Since a mortgage is a very large investment, you need to choose the best company.

The most important factor to be considered is the interest rate. Thus you need to choose the bad credit mortgage company which provides you the most favorable rate of interest. You must also check that there are no hidden fees included in the plans of the bad credit mortgage companies that offer very low rates of interest. Thus, you need to understand all the terms of the rate of interest.

One more thing you must check is the quality of the service provided by the bad credit mortgage company. You should not choose a company that offers extremely low rates of interest, but provides a horrible service in return. Instead, you must choose a company that offers a slightly higher rate of interest, but also cares for your needs and formulates its policies according to your interests.

If you are in search of a bad credit secured loan then you must remember that the lender may repossess your collateral in case you fail to repay your installments. Once you sign the loan agreement and pledge your collateral to the lender, the lender gets the legal claim over your collateral. You can neither sell it in full or in parts without the consent of the lender. In case you fail to repay your loan, the lender can move to court and with judicial consent can repossess your property.

There are also mortgage bad credit companies that provide mortgages to people in special circumstances--i.e. when the people are not offered a mortgage by their building society or high street bank. This includes the people with a bad credit history.

If you can't find a favorable bad credit loan mortgage anywhere else, you may want to consult one of these companies. With simple online access you can do a search on “bad credit mortgage” and have several sites which can help with your financial situation. Refinancing your home mortgage in the past (before Internet), was a real hassle for both mortgage lenders and borrowers. The process of gathering information to compare rates, fees, points and loan programs was a time consuming task.

There was not a centralized information source for mortgage programs, rates and financial advice for consumers. A home owner would talk to a couple of banks and just go for what seemed to be the lowest rate and fees for their situation. Once you are done with the selecting a loan deal as per your needs and wants, you can also apply online to speed up the loan approval process. A little research and time spent educating yourself can help you get your financial situation back in order.

Pay Day Loans - Pros And Cons

Everyone has felt like they were stuck between a rock and a hard place. Pay Day loans that can ease the tense situation when you get involved in one when you need it most, in addition to integrating them into your budgets. Since pay day loans are a direct loan, your credit card accounts are not affected. Unlike a cash advance, with a pay day loans, you can still use the balance of your credit card, which makes it even easier to get out of a recession.

Pro #2-Avoid embarrassing situations.
The financial problems are hard. Nobody understands that most of our customers. Borrowing from family and friends may be helpful for a while, but eventually it can lead to awkward situations. Many customers simply do not like to be seen walking into a store pay day loans. With access to the Internet, customers are able to apply for such a loan in a safe place.

Pro #3-Online pay day loan lenders supply emergency money twenty four hours a day.
Life happens. Unfortunately, unforeseen emergencies can happen to anyone, at any time, night or day. Because of this, there is the convenience of pay day loans online. Shopping for loans online means that if qualified, you can get emergency money directly deposited into your checking account. Anytime.

Con #1-High interest

Online pay day loans can save you a moment of great need, of course, but they can lead to high interest rates, large payments, or even bankruptcy. Customers who do not pay attention to them can really abuse it. Some customers may even use a pay day loans to pay for another. This "Robbing Peter to pay Paul" method can save a lot of people in financial difficulties, which is difficult to get rid of.

Pay day loans must always be used with the utmost responsibility.

If you are looking for a Pay day Loans to meet short term financing needs, please visit the following website: Pay day Loans

Can A Pay Day Loan Truly Be Easy?

If you want to find an easy pay day loans, it's time to imagine what you consider easy. There are plenty of pay day loans supposedly easy options available to consumers or desperate, but the hardest part is when you need to repay the loan on easy wage. Before you sign up for an easy pay day loans, make sure you have or will have enough money in your bank account to pay off the pay day loans easier in the future. Failure to repay the pay day loans easy, in bulk or interest, you can cause more problems than avoid the easy pay day loans from the beginning.

Yet, there are times when an easy pay day loans seems to be the only option, or if you have a rare emergency and the only way to get cash quickly are easily via a pay day loans. We all go through difficult financial times in our lives and the existence of a single pay day loans can ease the burden a bit.

Prior to seriously consider the application of a simple pay day loans, whether there is a better way to quickly get the funds you need. Could you be able to borrow money to a trusted friend or relative who will not be charged interest? An easy pay day loan will eventually need to be paid off, plus certain percent interest added on top of the initial sum, make sure that you will be able to obtain those funds later before you apply for a pay day loans. Sometimes, the interest earned on a pay day loans will be easy stun and overwhelm you once the dust has settled on the simple pay day loans and it's time to pay the company back. A good way to see if the site is right for you and your needs is to read the FAQ.

Sarfaraz Khan with payday-loans-today.co.uk, one of the UK’s leading internet Pay Day Loans provider. We approve Payday Loans within 24 hours. Apply now!