Things to Consider to Find the Best Lender for Your Needs

Source: Free Digital Photos

Source: Free Digital Photos

Many people are in situations where they need a quick cash injection in order to get out of trouble and stay on top of their various bills. There are lots of ways out there to find this much needed cash, which does mean you will have to do a little bit of homework first. You can get installment loans online at 123CashDepot.com, for instance, but you will have to find out which one is the right one for you. Installment loans are one of the fastest and easiest ways to get money. There are a few things to take into consideration first, particularly when it comes to choosing the lender you decide to go with.

What Is the Lender’s Reputation?

First of all, you need to find out what a lender’s reputation is. You want to make sure that they have a history of offering fair deals and rates and that they have superior customer service. Go online and check out costumer reviews about the loan first. When you find out how a lender has performed in the past in terms of giving people in similar situations to you the help they need, you will also have a general idea of what to expect yourself. This is particularly important if your own credit rating is not very good, because many lenders will treat you very poorly in that case.

What Rates Do They Offer?

You have to make sure that, when you take out a loan, you don’t end up in a financial situation that is even worse than the one you are in now. Loans are always expensive and you will always pay back more than what you borrowed. However, there is a difference between paying back a lot and paying back insane amounts. This is all down to the rates the lender charges. Finding the lender with the cheapest possible rate is always the best option. However, the worse your credit is, the higher the rates you will have to pay will be as well.

Other Terms and Conditions

Finally, you need to look at the other terms and conditions of the loan. Some of the particular terms to investigate include:

  • Whether there is an early repayment fee.
  • What the penalties and charges are if you ever miss a payment.
  • How long your loan will last for.
  • When payments will be taken and in what amount.

These are just a few of the things you need to look for when you are considering applying for a loan. Remember that all loans are serious financial commitments and you have to be ready to deal with those commitments. If you take out a loan and you are unable to repay it, then you will be in a lot of problems that can be quite hard to resolve.

However, the most important thing is that there are loans out there for all types of people, regardless of their personal situation.

Tips for Saving Money on Your Next Move

suitcase-468445_640Sometimes we move because we have to go where the job is. Other times, it is because that’s where family is. But I suspect the underlying reason Americans move so often is because we just get tired of where we are, and long to see what’s over the next horizon. Whatever the reason, moving is never fun, nor cheap.

There are so many aspects of a move that make the process painfully expensive. Among those expenses are:

  • Packing material
  • A moving company, or…
  • A moving truck with gas and insurance
  • Help
  • Replacements for all the items lost or damaged in the move

Hiring a moving company can be an expensive option, especially if you opt for packing, moving, and unpacking services. But with companies such as Allied Moving Company, that extra cost of money will make your move much more convenient and stress free compared to making that move without these services.

It’s also not a guarantee that doing the move yourself will be any less expensive. Trucks, gas, insurance, boxes, tape, and labor are all expensive add-ons. Time is also a crucial factor. Do the move yourself, and you will be looking at unpacked boxes for weeks. Let professionals do it, and your home will be move-in ready within hours. When you add it all up, you might actually save a little money by having professionals handle the move. Here are a few more tips to consider:

Plan Ahead

As you can see from the above list, there is an awful lot to do if you are going to do the move on your own. You can save money by planning ahead, and securing supplies early. If you start collecting boxes in advance, you will not have to go out and purchase boxes at the last minute. Figure out who you can get to help you move, and work out a fee well before you get into a situation where you have to take whatever you can get. By planning ahead, you can usually find a truck rental discount that can also save you quite a bit.

Pack as Early as Possible

One of the least fun aspects of moving is packing. No one likes to do it. And few people do it well. Packing is probably the single most wasteful part of moving when it comes to unnecessary expenses. That is because when it is not done well, things get lost or broken. Also, when waiting till the last minute, things get packed that should have been thrown out, or get thrown out when they should have been packed.

HowStuffWorks.com suggests that you should start packing up to 2 months before the move. You should probably start even earlier if possible. No one is suggesting that you pack your toothbrush in advance. That would be silly. But there are knick-knacks and thingamabobs that are precious to you, but serve no functional purpose. Box them up while you have plenty of time to do it right.

Take Advantage of Discounts

If you filled out your change of address card in advance, you can count on at least one piece of junk mail being in your new mailbox once you get there. Don’t throw it away. It is not really junk. It is a pack of coupons for all the local businesses in your new neighborhood. It is everything from pizza delivery to dry cleaning.

Once you’ve suffered through an expensive move, every bit of savings helps. That coupon kit courtesy of the chamber of commerce, is sure to have something in it that you can use. All of the businesses are desperate for new customers. And the best shot at new customers are people just moving into the area. They will do a lot to secure your business. Let them.

There is not really a such thing as a fun and inexpensive move. But by taking advantage of local discounts, packing in advance, and planning ahead, you can make it a lot less painful than it would otherwise have been.

Can Your Collection Get You Out of Debt?

toy-938248_640Imagine if something you’ve been collecting could get you out of debt. The following 10 collector’s items are valuable, and certain items can sometimes be sold for incredible profits. If you have some old coinage lying around or you’ve been holding onto a historical document, now may be the time to sell it and use the funds to pay down your debts.

If you’re not in debt, the best thing to do is hold onto your collection and periodically check to see if its valuation has changed. Don’t sell until it’s reached its peak of demand, and you may have to “piece out” your collection to get the most money, which means to sell one item at a time.

Vintage Cars

A rare classic car can be purchased for cheap and then sold for a fortune, but only if you fix up the right one. If you’re lucky enough to find an Alfa Romeo Alfasud (there are less than 100 active in Great Britain), fixing it up can net a huge profit. Old BMWs and Fiats are reasonably priced and can be fixed up and sold too.

Historical Documents

According to Raab Collection, an internationally recognized name in historical autographs, “Historical documents of famous people are family heirlooms, which decedents of the writers and recipients, as well as collectors, often choose to sell.” If you have a historical document, you can have it appraised and then auctioned or sold to a buyer. Your document is especially valuable if it was signed by someone famous.

Vintage Furniture

Period-piece furniture can be very valuable, and it fetches a pretty penny at auctions. When picking through rummage sales, have Google open and ready to determine the values of the furniture you come across. Who knows? You could end up like the French engineer who bought a famed 17th Century Japanese lacquer box for $160, and then used it as a television stand for 16 years before his family sold it for 7.3 million euros.

Sports Memorabilia

Have something signed by a legendary or infamous player? If so, it could be worth some money. Baseball card collections have also been known to sell for a lot of money. NuWire Investor has some advice on “Getting your hands on some treasures.” The best piece of advice is to ask the world’s current top athletes to sign memorabilia, and then hold onto it until it’s valuable.

Postage Stamps

Have a rare stamp or an old stamp collection? Not all stamps are valuable, but some are incredibly rare and valuable and are found in older collections. Inherited stamp collections are almost certainly worth something, but determining the value will take research. The rarest stamps are worth the most.

Toys

Have you held onto your childhood toys? Although the most valuable toys are still in their packages, non-packaged toys may also have value if they’re rare enough. Mandatory has put together a list of the “Childhood Toys You Should’ve Kept.” If you’ve got a Teenage Mutant Ninja Turtles Scratch the Cat Figure or a rare Beanie Baby, you could end up with over a grand in a sale.

Other Valuable Collections

The above named collections are great to sell, but really any collection could potentially have value. If you’ve collected comic books, vintage books and classic novels, maps, old record albums, and old coins and paper money, you could be sitting on a fortune. The best thing to do is ask an appraiser for help, and don’t sell if you’re collection isn’t at the peak of its value.

Photo courtesy of: oceanverde

How to Plan a Wedding on a Shoe String Budget

wedding-322034_640Tying the knot can be a costly endeavor. Some couples are willing to throw away hundreds of thousands of dollars in anticipation of having the “wedding of the year.” Usually the money isn’t even coming out of the bride or groom’s pocket. It’s their folks that go into debt to finance this extravaganza. And for what, I ask you? As an indication of the state of marriage these days, a report released in December 2012 by the Office of National Statistics in the UK indicated that 42% of marriages in England and Wales end in divorce and that 34% of marriages are expected to end in divorce by the 20th wedding anniversary.

So with cockeyed optimism aside, the question remains: why spend a fortune for a wedding that has less than a 1 in 3 chance of surviving? Wouldn’t it be smarter to pare down the costs from the get go and with some of the ‘spare cash’ lying around you can purchase a house or a horse or something that can appreciate over time. Making a sound financial investment such as gold is also a prudent move. Or maybe put the money in a special education account in hopes of spending it to cover your child’s nursery school fees which, down the road, will be more than what you are now paying for your entire marriage ceremony.

So let’s discuss how to make a really nice wedding at a fraction of the expected cost.

We can start with the invitations. This is the first area which can not only save tons of money but offers you the opportunity to use your creative talents. Free online invite services such as Paperless Post gives you allows you to select colors, fonts and styles that can be cutesy or sentimental. After designing the invitation just type in the email addresses of those you wish to invite and send them out. No addressing envelopes, no sticky stamps, no cost. RSVP’s come directly back to you. Set up an excel sheet and voila. An instant tracking system.

Let’s move on to the guest list. Here is where you can really cut costs. I know how much your parents want to impress their friends and simply must return the invite to all those people whose weddings they attended. But it really isn’t your parents’ wedding and I must admit that I am often quite relieved when I am NOT invited to the affair of a good friend’s son or daughter. To still make them feel special, however, several days after the wedding, your folks can take out 20 good friends for a small dinner at a moderately priced restaurant. To give your ceremony a cozy, close-knit feeling, do try to keep your guest list to about 100 couples at most.

Flowers next.  I know this may sound cheesy but today’s ‘fake’ flowers are so lifelike that I’ve seen many a person walk up to one and take a sniff. (They are always so embarrassed when they realize they have been fooled.) Fake flowers are portable and can be moved around from one place to another. And then, they can be taken home forever!! Flowers as showpieces on the tables have given way to more imaginative centerpieces such as decorative candles which add a romantic atmosphere to the tables. Of course, a beautiful single red rose standing proudly in a tall glass vase can never be duplicated.

On to the bridal gown. Most brides will not budge on the topic of their gowns. Many insist on the old fashioned look of the full flowing skirt which converges into the long train held by a bridesmaid or simply trailing along behind her as she walks down the aisle. Others are more modern and will go for a shorter dress, slim and sleek and fitting her to a tee. In either case, my advice is to rent or borrow. Buying a dress to be worn for one night is a terrible waste of money and what will you do with the dress afterwards? I know from experience that ‘saving’ the dress for the next generation may be quaint but it is really not worth it. I kept my wedding dress made of satin and lace for years in an air-tight bag and it still turned yellow!!! It did have some use, however. It became part of the costume collection used during adolescent drama productions.

The pre-ceremony reception can be pared down to a few hot dishes and a selection of salads. Some pastries and drinks round it out. Yes, that mound of chopped liver and brilliant ice sculptures have become passé and have been replaced by selection of multi-shaped crackers and humus dips.

Now to the dinner. It’s difficult to bring down the cost when it comes to food but there really is no need for two appetizers, a choice of 3 entrees and 5 different side dishes. Presenting a choice is a luxury and most guests are happy with the selection you make for them. Dessert is another story altogether. The rule is to never cut back on yummy desserts. These are what people will remember long after the last glass of champagne is downed. Choose at least four or 5 types of pastries- one hot mushy cake and at least 2 chocolate ones-and present them with some cut up fruit on the side and a bowl of chocolate syrup. Coffee and tea should be served separately. Don’t forget the fresh cream!!

There you have it. A fantastic wedding at a fraction of the price. Have a great time!!

Cina Coren is a contributing editor to DailyForex, a website that sponsors FX Academy, an online program for educating traders to the world of Forex.

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Things to Consider to Find the Best Lender for Your Needs

Source: Free Digital Photos

Source: Free Digital Photos

Many people are in situations where they need a quick cash injection in order to get out of trouble and stay on top of their various bills. There are lots of ways out there to find this much needed cash, which does mean you will have to do a little bit of homework first. You can get installment loans online at 123CashDepot.com, for instance, but you will have to find out which one is the right one for you. Installment loans are one of the fastest and easiest ways to get money. There are a few things to take into consideration first, particularly when it comes to choosing the lender you decide to go with.

What Is the Lender’s Reputation?

First of all, you need to find out what a lender’s reputation is. You want to make sure that they have a history of offering fair deals and rates and that they have superior customer service. Go online and check out costumer reviews about the loan first. When you find out how a lender has performed in the past in terms of giving people in similar situations to you the help they need, you will also have a general idea of what to expect yourself. This is particularly important if your own credit rating is not very good, because many lenders will treat you very poorly in that case.

What Rates Do They Offer?

You have to make sure that, when you take out a loan, you don’t end up in a financial situation that is even worse than the one you are in now. Loans are always expensive and you will always pay back more than what you borrowed. However, there is a difference between paying back a lot and paying back insane amounts. This is all down to the rates the lender charges. Finding the lender with the cheapest possible rate is always the best option. However, the worse your credit is, the higher the rates you will have to pay will be as well.

Other Terms and Conditions

Finally, you need to look at the other terms and conditions of the loan. Some of the particular terms to investigate include:

  • Whether there is an early repayment fee.
  • What the penalties and charges are if you ever miss a payment.
  • How long your loan will last for.
  • When payments will be taken and in what amount.

These are just a few of the things you need to look for when you are considering applying for a loan. Remember that all loans are serious financial commitments and you have to be ready to deal with those commitments. If you take out a loan and you are unable to repay it, then you will be in a lot of problems that can be quite hard to resolve.

However, the most important thing is that there are loans out there for all types of people, regardless of their personal situation.

Tips for Saving Money on Your Next Move

suitcase-468445_640Sometimes we move because we have to go where the job is. Other times, it is because that’s where family is. But I suspect the underlying reason Americans move so often is because we just get tired of where we are, and long to see what’s over the next horizon. Whatever the reason, moving is never fun, nor cheap.

There are so many aspects of a move that make the process painfully expensive. Among those expenses are:

  • Packing material
  • A moving company, or…
  • A moving truck with gas and insurance
  • Help
  • Replacements for all the items lost or damaged in the move

Hiring a moving company can be an expensive option, especially if you opt for packing, moving, and unpacking services. But with companies such as Allied Moving Company, that extra cost of money will make your move much more convenient and stress free compared to making that move without these services.

It’s also not a guarantee that doing the move yourself will be any less expensive. Trucks, gas, insurance, boxes, tape, and labor are all expensive add-ons. Time is also a crucial factor. Do the move yourself, and you will be looking at unpacked boxes for weeks. Let professionals do it, and your home will be move-in ready within hours. When you add it all up, you might actually save a little money by having professionals handle the move. Here are a few more tips to consider:

Plan Ahead

As you can see from the above list, there is an awful lot to do if you are going to do the move on your own. You can save money by planning ahead, and securing supplies early. If you start collecting boxes in advance, you will not have to go out and purchase boxes at the last minute. Figure out who you can get to help you move, and work out a fee well before you get into a situation where you have to take whatever you can get. By planning ahead, you can usually find a truck rental discount that can also save you quite a bit.

Pack as Early as Possible

One of the least fun aspects of moving is packing. No one likes to do it. And few people do it well. Packing is probably the single most wasteful part of moving when it comes to unnecessary expenses. That is because when it is not done well, things get lost or broken. Also, when waiting till the last minute, things get packed that should have been thrown out, or get thrown out when they should have been packed.

HowStuffWorks.com suggests that you should start packing up to 2 months before the move. You should probably start even earlier if possible. No one is suggesting that you pack your toothbrush in advance. That would be silly. But there are knick-knacks and thingamabobs that are precious to you, but serve no functional purpose. Box them up while you have plenty of time to do it right.

Take Advantage of Discounts

If you filled out your change of address card in advance, you can count on at least one piece of junk mail being in your new mailbox once you get there. Don’t throw it away. It is not really junk. It is a pack of coupons for all the local businesses in your new neighborhood. It is everything from pizza delivery to dry cleaning.

Once you’ve suffered through an expensive move, every bit of savings helps. That coupon kit courtesy of the chamber of commerce, is sure to have something in it that you can use. All of the businesses are desperate for new customers. And the best shot at new customers are people just moving into the area. They will do a lot to secure your business. Let them.

There is not really a such thing as a fun and inexpensive move. But by taking advantage of local discounts, packing in advance, and planning ahead, you can make it a lot less painful than it would otherwise have been.

Can Your Collection Get You Out of Debt?

toy-938248_640Imagine if something you’ve been collecting could get you out of debt. The following 10 collector’s items are valuable, and certain items can sometimes be sold for incredible profits. If you have some old coinage lying around or you’ve been holding onto a historical document, now may be the time to sell it and use the funds to pay down your debts.

If you’re not in debt, the best thing to do is hold onto your collection and periodically check to see if its valuation has changed. Don’t sell until it’s reached its peak of demand, and you may have to “piece out” your collection to get the most money, which means to sell one item at a time.

Vintage Cars

A rare classic car can be purchased for cheap and then sold for a fortune, but only if you fix up the right one. If you’re lucky enough to find an Alfa Romeo Alfasud (there are less than 100 active in Great Britain), fixing it up can net a huge profit. Old BMWs and Fiats are reasonably priced and can be fixed up and sold too.

Historical Documents

According to Raab Collection, an internationally recognized name in historical autographs, “Historical documents of famous people are family heirlooms, which decedents of the writers and recipients, as well as collectors, often choose to sell.” If you have a historical document, you can have it appraised and then auctioned or sold to a buyer. Your document is especially valuable if it was signed by someone famous.

Vintage Furniture

Period-piece furniture can be very valuable, and it fetches a pretty penny at auctions. When picking through rummage sales, have Google open and ready to determine the values of the furniture you come across. Who knows? You could end up like the French engineer who bought a famed 17th Century Japanese lacquer box for $160, and then used it as a television stand for 16 years before his family sold it for 7.3 million euros.

Sports Memorabilia

Have something signed by a legendary or infamous player? If so, it could be worth some money. Baseball card collections have also been known to sell for a lot of money. NuWire Investor has some advice on “Getting your hands on some treasures.” The best piece of advice is to ask the world’s current top athletes to sign memorabilia, and then hold onto it until it’s valuable.

Postage Stamps

Have a rare stamp or an old stamp collection? Not all stamps are valuable, but some are incredibly rare and valuable and are found in older collections. Inherited stamp collections are almost certainly worth something, but determining the value will take research. The rarest stamps are worth the most.

Toys

Have you held onto your childhood toys? Although the most valuable toys are still in their packages, non-packaged toys may also have value if they’re rare enough. Mandatory has put together a list of the “Childhood Toys You Should’ve Kept.” If you’ve got a Teenage Mutant Ninja Turtles Scratch the Cat Figure or a rare Beanie Baby, you could end up with over a grand in a sale.

Other Valuable Collections

The above named collections are great to sell, but really any collection could potentially have value. If you’ve collected comic books, vintage books and classic novels, maps, old record albums, and old coins and paper money, you could be sitting on a fortune. The best thing to do is ask an appraiser for help, and don’t sell if you’re collection isn’t at the peak of its value.

Photo courtesy of: oceanverde

How to Plan a Wedding on a Shoe String Budget

wedding-322034_640Tying the knot can be a costly endeavor. Some couples are willing to throw away hundreds of thousands of dollars in anticipation of having the “wedding of the year.” Usually the money isn’t even coming out of the bride or groom’s pocket. It’s their folks that go into debt to finance this extravaganza. And for what, I ask you? As an indication of the state of marriage these days, a report released in December 2012 by the Office of National Statistics in the UK indicated that 42% of marriages in England and Wales end in divorce and that 34% of marriages are expected to end in divorce by the 20th wedding anniversary.

So with cockeyed optimism aside, the question remains: why spend a fortune for a wedding that has less than a 1 in 3 chance of surviving? Wouldn’t it be smarter to pare down the costs from the get go and with some of the ‘spare cash’ lying around you can purchase a house or a horse or something that can appreciate over time. Making a sound financial investment such as gold is also a prudent move. Or maybe put the money in a special education account in hopes of spending it to cover your child’s nursery school fees which, down the road, will be more than what you are now paying for your entire marriage ceremony.

So let’s discuss how to make a really nice wedding at a fraction of the expected cost.

We can start with the invitations. This is the first area which can not only save tons of money but offers you the opportunity to use your creative talents. Free online invite services such as Paperless Post gives you allows you to select colors, fonts and styles that can be cutesy or sentimental. After designing the invitation just type in the email addresses of those you wish to invite and send them out. No addressing envelopes, no sticky stamps, no cost. RSVP’s come directly back to you. Set up an excel sheet and voila. An instant tracking system.

Let’s move on to the guest list. Here is where you can really cut costs. I know how much your parents want to impress their friends and simply must return the invite to all those people whose weddings they attended. But it really isn’t your parents’ wedding and I must admit that I am often quite relieved when I am NOT invited to the affair of a good friend’s son or daughter. To still make them feel special, however, several days after the wedding, your folks can take out 20 good friends for a small dinner at a moderately priced restaurant. To give your ceremony a cozy, close-knit feeling, do try to keep your guest list to about 100 couples at most.

Flowers next.  I know this may sound cheesy but today’s ‘fake’ flowers are so lifelike that I’ve seen many a person walk up to one and take a sniff. (They are always so embarrassed when they realize they have been fooled.) Fake flowers are portable and can be moved around from one place to another. And then, they can be taken home forever!! Flowers as showpieces on the tables have given way to more imaginative centerpieces such as decorative candles which add a romantic atmosphere to the tables. Of course, a beautiful single red rose standing proudly in a tall glass vase can never be duplicated.

On to the bridal gown. Most brides will not budge on the topic of their gowns. Many insist on the old fashioned look of the full flowing skirt which converges into the long train held by a bridesmaid or simply trailing along behind her as she walks down the aisle. Others are more modern and will go for a shorter dress, slim and sleek and fitting her to a tee. In either case, my advice is to rent or borrow. Buying a dress to be worn for one night is a terrible waste of money and what will you do with the dress afterwards? I know from experience that ‘saving’ the dress for the next generation may be quaint but it is really not worth it. I kept my wedding dress made of satin and lace for years in an air-tight bag and it still turned yellow!!! It did have some use, however. It became part of the costume collection used during adolescent drama productions.

The pre-ceremony reception can be pared down to a few hot dishes and a selection of salads. Some pastries and drinks round it out. Yes, that mound of chopped liver and brilliant ice sculptures have become passé and have been replaced by selection of multi-shaped crackers and humus dips.

Now to the dinner. It’s difficult to bring down the cost when it comes to food but there really is no need for two appetizers, a choice of 3 entrees and 5 different side dishes. Presenting a choice is a luxury and most guests are happy with the selection you make for them. Dessert is another story altogether. The rule is to never cut back on yummy desserts. These are what people will remember long after the last glass of champagne is downed. Choose at least four or 5 types of pastries- one hot mushy cake and at least 2 chocolate ones-and present them with some cut up fruit on the side and a bowl of chocolate syrup. Coffee and tea should be served separately. Don’t forget the fresh cream!!

There you have it. A fantastic wedding at a fraction of the price. Have a great time!!

Cina Coren is a contributing editor to DailyForex, a website that sponsors FX Academy, an online program for educating traders to the world of Forex.