Payday Loans - tailored for emergency purpose

You may be facing this problem of paying off an urgent bill that was not expected at all. For instance, suddenly your car needs some repairing works or you need to pay off a medical bill. Urgencies like these can be met through taking out payday loans, if you are salaried person. At the same time, it should be pointed out that these loans can become burdensome, if taken unwisely. One feature of these loans is that the approval is generally quick, within hours of receiving the application of the loan. The borrower can receive the loaned amount into his or her bank account within 24 hours, for any use. However, the borrower must be holding a regular job for at least past six months, drawing monthly salary. Payday loans range from 100 to 1500. Approval of the loan comes for two weeks, until your next paycheque. But you can repay the loan in a month as well. Usually, these unsecured loans are given against the borrower writing a post-dated cheque of the borrowed amount and fee to the lender. However, these are expensive loans for salaried people. A typical rate of interest on these loans can be 30 percent or above. In case of repaying the loan in a month, the interest payments become unbearable, and borrowers may fall into debt-trap. Hence, borrow an amount that you can repay without putting stress on your next salary. Late payments, defaults and arrears of the borrowers do not matter much to the lenders, as they approve these loans s without any credit checks. However, to take out payday loans at comparatively lower rate, you should make an extensive search for the suitable lenders on the internet. Repay the loan on time for improving your rating and for escaping any debts in the coming days. Summary. One feature of these loans is that the approval is generally quick, within hours of receiving the application of the loan. The borrower can receive the loaned amount into his or her bank account within 24 hours, for any use. However, the borrower must be holding a regular job for at least past six months, drawing monthly salary. Tim Kelly is an expert in finance having completed her LLM in Finance (Master of Laws in Finance) from Institute for Law and Finance at Frankfurt University . She is currently working with Best Payday Loans as a financial advisor. To find cash advance payday loans, instant payday loans, payday loans, payday loans uk , cash loans that best site's you need visit www.bestpaydayloans.co.uk. Financial directory

FONDAZIONE DI VITTORIO

ATTENTION!!! FRAUD.

The companies
www.fondazionedivittorio.it and www.postbank.nl of such letters do not dispatch. Examples of the letters:

----------------------- LETTER 1 --------------------------


FONDAZIONE DI VITTORIO ajscopel@consolidated.net

Attn:Sir/Madam,

The Fondazione Di Vittorio would like to notify you that you have been chosen by the board of trustees as one of the final recipients of a Grant/Donation cash aid of USD$1,500,000.00 (One Million Five Hundred Thousand United States Dollars) for your own personal education, and business development. The Fondazione Di Vittorio, established 1977 by the Multi-Million groups and now supported by United Nations Organization (UNO) and the European Union (EU), is conceived with the objective of human growth, educational, and community development thereby uplifting the standard of living of people.Based on the random selection exercise of internet websites and millions of individuals and companies worldwide, you were selected among the lucky recipients to receive the award sum of US$1,500,000.00. Fondazione Di vittorio in accordance with the enabling act of Parliament.Note that all beneficiaries email addresses were selected randomly from over 100,000 internet websites of individuals !.!and companies from Africa, America, Asia, Australia, Europe, Middle East, and Oceania as part of our International Promotions Program. You are required to contact the paying bank in DEN HAAG NETHERLANDS for the processing of your grant/donation cash aid.kindly contact the paying bank and your Qualification Numbers (A-222-6747,N-900-56)..

1. Name
2. Age
3. Telephone

4. Qualification Number

**********************************

Bank Name: POSTBANK.NL
Contact Person: Mr. Van Robben

Email:post_banknll@ozu.es
Tel: +31 641 648 111

Fax: +31 847 119 436
*************************

Regards.
Mrs.Georgette Maessen
(Foundation office)

http://www.fondazionedivittorio.it




----------------------- LETTER 2 --------------------------


POSTBANK ACCOUNT OPENING FORM ATTACHED post_banknll@ozu.es
POSTBANK NL

Karspeldreef 6A 1101 CJ
Tel:+31 641 648 111

Fax:+31 847 119 436
Den Haag , Netherlands.

www.postbank.nl



Dear Sir,

You have been awarded a lump sum pay-out from the free (Computer Email Ballot) Fondazione Di Vittorio.We the entire staff of POSTBANK wish to congratulate you for being one of the lucky beneficiary of this year grant/donation cash aid.

This is an independent promotion and is unconnected to any publication. Be informed that this Grant/Donation was conducted through the Internet worldwide random selection, For payment of your Grant/Donation prize of USD $1,500,000.00 (One Million Five Hundred Thousand United States Dollars). Your are required to open an online account with our bank for us to transfer your funds to your nominated account of your choice. We have (3) different offshore accounts types, and each with different minimum deposit depending on which of the account you will like us to set up for you in transfering your funds.

ACCOUNTS & THEIR MINIMUM DEPOSIT;
1) CURRENT ACCOUNT : This has a minimum deposit of 1,150 Euros
2) SAVING ACCOUNT: This has a minimum deposit of 680 Euros
3) PRIMIUM ACCOUNT(NON RESIDENCE ACCOUNT): This has a minimum deposit of 850 Euros

NOTE that the mandatory minimum deposit Belongs to you as this will be in your account before crediting it with your grant funds, this is to enable our KTT data base and recognized your account for onward transfer as you may wish to transfer swiftly to your nominated local account round the globe without delay.Kindly return your filled account opening form via Fax or Email attachment.

Remember to quote your qualification numbers in every one of your correspondence with us.The claiming process must be completed before the claims expiration date as stipulated in the award notification email which is Ten Working Days.

Thanks in advance for banking with us.

Yours Faithfully,
Evlyne Wilbert(Mrs)

For: Mr. Van Robben
ACCOUNT APPLICATION FORM


Financial directory

Be Ready for Unemployment. Protect Your Credit Score

Many people are afraid of unemployment and prefer not to think about it. But let's agree that such a situation can happen to anyone. A lot of unemployed people find themselves financially unstable and they are afraid that their credit score will be damaged if they are fired from work. So what can be the best way out from this difficult situation? What is the way to protect yourself from awful financial problems connected with job loss? What can be done not to have any dark spots left on your credit report and protect credit score? It is important to think about the possibility of unemployment and save money for you to be able to live for about 6 months. You can have cash or some money on your bank account but there should some sum of money to cover the existing house, car and student loans. It will be really better because your good credit will be protected. If you decide to apply for a credit card, pay attention to credit card insurance. If you will be unemployed, the insurance will cover the minimum payment during 6 months of your unemployment. It is for sure that low interest rates, high credit limits, no annual fee and a great number of rewards are the best features of the card. But you won't deny the fact that insurance shows your future financial stability. If you don't have emergency fund or they are not enough, you only have to call the credit card company and explain the situation. In this case both you and your credit card company will feel satisfied. Such companies as Visa, American Express and MasterCard will meet your needs and requirements and will cooperate with pleasure if they see that you are willing to work hard to get things back. There are a lot of situations when people live and don't think about the possible problems that may occur in the future. Only when they face such problems they begin to act but it is more difficult to change the situation. If you want to avoid bad credit during the period of unemployment, you should think about the possible situations that you may face in the future. We can't predict what will happen to us in the future. We can't foresee any financial difficulties. So it is better to plan your budget wisely and save money for the rainy day. As the saying runs "Think about the best but be prepared for the worst". Financial directory

Secured Motorcycle Loans

Perhaps you have seen a motorcycle in a window that has caught your eye, or perhaps you want to try using a motorcycle for cost effective transportation. If you have decided that you would like to purchase a motorcycle, and you need a loan, you may qualify for secured motorcycle finance. These types of loans can give you a good deal on low interest rates that will save you thousands of dollars; you may also be able to purchase the bike of your dreams that you did not think you could afford using secured motorcycle loans. Any type of secured loan, including one for a motorcycle, uses collateral that you have to secure the loan. The collateral may be a house, car, savings account, or even a boat that you own. You can then use the value of the collateral to secure a loan for a motorcycle. What Are The Benefits Of Using Secured motorcycle Loans? There are two main benefits that are associated with using secured loans. The first benefit is that you will be able to qualify for a loan with a low interest rate, regardless of your credit rating; as long as you have collateral to back up the loan, you can receive a low interest loan that will save you thousands of dollars over the repayment period. The other benefit to using a secured loan is that you will able to qualify for a larger loan amount that may not otherwise be available to you. If you have seen a motorcycle that you really like, and you would like to outfit it with additional options that cost more, than a secured motorcycle loan may be the best choice for you. A new bike, or a bike with a lot of extra options, can be expensive; if you would not qualify for the loan amount without using collateral, than you may want to use a secured loan to be able to purchase the bike that you really want. How Can I Find Secured motorcycle Loans? Credit unions and banks are the two most reputable sources for secured motorcycle loan. You may want to check out loan companies on Internet websites as well, though you will need to use a lot of caution when you are looking for a reputable company using the Internet. There are different types of secured motorcycle loans that may fit your needs, and it is important to find the right one for you. Some secured loans will use direct collateral such as your home or car to secure the loan. Additional secured loans will use money you have in a savings account to secure the loan; the money in the savings account is frozen, interest will still build on the savings amount, and the savings amount only needs to be equal to a portion of the total loan amount. What Are The Dangers Associated With Secured motorcycle Loans? The main danger associated with secured motorcycle loans is foreclosure or repossession of your collateral if you are unable to meet the loan. If you are not sure if you will be able to meet your loan payments, do not use this type of loan. However if you feel you can meet the payments, than you should take advantage of a low interest secured loan to buy the bike of your dreams. Financial directory

Motorcycle Finance

Motorcycles have always been a main source of transportation throughout Europe, and now motorbikes are increasing in popularity in the States as well. Motorbikes are less expensive to maintain than most automotive vehicles, and they usually consume less gas as well; with today's rapidly increasing gas prices, motorcycles are becoming more appealing to consumers everywhere. In addition, new advances in technology have created fast, lightweight, bikes that can be handled by almost anyone. If you are interested in purchasing a bike, than you may wish to look into motorcycle loan options to help you buy a motorcycle that will suit your tastes and needs. The type of motorcycle finance that you qualify for will depend on a few factors. Is the bike new or used, what type of credit rating do you have? New motorcycle loan options may be limited if you have a low credit rating; used motorcycle loans options are ideal for consumers who have low credit ratings, but wish to purchase a quality used motorbike. As you have different types of bike finance options, you will need to perform a lot of research to find a finance option that works best for you. If you have your eyes set on a brand new motorbike, and you have low credit rating, than you need to be prepared to pay a high interest rate on your new motorcycle finance loan. If you have a low credit rating, and you wish to buy a used motorbike, than you will probably have a high interest rate on your used sports bike finance loan; however the loan amount will be smaller, so you will be able to pay the loan off quickly and without accruing a lot of extra costs in interest. If you have excellent credit ratings you should be able to find a terrific deal on a low interest used motorbike loan, or on a new motor cycle finance loan. Whether you have a low or high credit rating, it is still important to take the time to research your motorcycle finance options before you sign on the dotted line. Interest rates can vary greatly depending on which company you use to finance your loan. Taking the time to research your options may save you thousands of dollars over the course of your loan repayment period. To find the best motorcycle finance option for you, begin your search with local finance companies near you; banks, loan companies, or even representatives from motorcycle sales shops should all be checked before you commit to any motorcycle purchase. Finance companies on the Internet may also be an option, but always research these companies well to protect yourself from being taken advantage of. The key is to find a motorcycle loan with the lowest interest rate and with low or no early pay off penalties on the loan. While the research may take some time, you will be able to buy the bike that you want and save thousands of dollars at the same time. Financial directory

Hidden Facts about 0% APR Credit Cards

It is proved that most credit cardholders give preference to credit cards with 0% APR or low interest rates. It is great to have a credit card that doesn't demand to pay interests. But do 0% APR credit cards really exist? The answer is yes. You can acquire such a card but the interest-free period will last only for several months. The introductory period depends on your credit card agreement and the credit card company. In spite of the fact that these deals look alluring, you should be very careful choosing 0% APR credit card. If you are going to get a plastic with 0% on interest rates it is better to check your credit rating. As a rule such credit card offers are created for those whose credit history is excellent or good. No credit card company is ready to trust and give a card to a consumer who has missed his monthly payments. No one denies that we are easily tempted to apply for a credit card that offers 0% APR. In fact it is a common temptation. People like when they are provided with something for free. But after that they find out that these rates are used just to attract consumers. Of course credit cards with zero interest rates are great but they have some disadvantages that may lead to financial problems. If you have decided to apply for no interest credit card don't spare your time checking APR after the intro period. There may be an annual fee that is for sure far from the zero. When you own 0% interest credit card during the intro period, it is not for sure that you won?t pay default fees that may appear all of a sudden. If you are late with your payment it is enough to lose zero interest rates and say good-bye to such deals. As a rule such deals offer 0% APR on balance transfers and purchases. The advantages of zero percent APR on purchases is quite evident but not everyone is able to take advantage of 0% balance transfer credit card. The fact is that some rewards credit cards come with zero percent on balance transfers. First of all you transfer your balance to a new credit card. Some time later you cope with your debt. If you want to benefit from zero percent interest credit card make sure that you realize all the possible consequences. So, if you decide to choose a card with 0% APR, pay attention to the introductory period of the card and whether the rate is for purchases or balance transfers. Financial directory

Closing Your Old Account? Applying for a Better Credit Card Deal

There could be many reasons why a credit cardholder decides to close his or her account. Most likely the terms and conditions do not seem to be favorable anymore and there are many better credit card deals you can apply for. Or there are simply to many credit cards to keep track of. Of course, you can always try to contact your bank and request a lower interest rate or lower fees. But there is no guarantee that you will get the deal you want. That means the time has come to close the existing credit card account. The most important thing to consider in this situation is your credit score. Closing an account might damage your credit history because that will lessen your available credit and the average age of your credit history. Weigh the pros and cons. Apply to credit specialists if necessary. If you have a credit card you have been using for a long time closing it will shorten the average age of your credit history for sure but if you are planning to get a better credit card deal, who cares? If you are worried that the amount of available credit will seriously influence your credit history you can ask for a credit limit increase on your other cards. Remember that you credit report is based on many aspects of your financial life and just closing one card won't make your score plummet from excellent to fair. One of the best strategies when closing an account is to apply for one of the new credit card deals and close the old one only after you have been approved. When closing a credit card account you should also make sure that it does not have any balances on it. Basically, you can not really close one without having paid off all the balances. If you forget about even a small balance you will get into trouble with late fees. If you decide to ignore them your debt will finally go to a collection agency. The only option in this situation is to close the account for additional purchases but you will still have to make your payments to the bank. By the way, closing an account won't help to remove any negative information from your credit report. It will still be there for the next seven years. If you are absolutely sure that you would like to close the account submit a request to your credit card company. All you need to do is to send a general account closing letter. In the letter you should state that you have fulfilled all your financial obligations and wish to close your account. After your account has been closed get your credit reports from all the three major credit bureaus to make sure that all the information in correct. The report should reflect that the account was closed by request of cardholder. Closing a credit card account is a very serious move so you need to think about the consequences. Just do not get misguided my credit card myths. Do what is right for you! Elizabeth A. Sabin writes mostly about credit card deals. Her special interest is rewards credit offers such as gas credit cards. Financial directory

Risk minimization

Smack, right up alongside the head. Your 401(k) investment program deteriorated rapidly as the stock market and the economy weakened. Who would have thought that there was so much risk of loss in those mutual funds, and ETFs? Fortunately, the pain is most often temporary, but the timing of the recovery could alter some participant retirement schedules and benefits—- not to mention the hefty confiscation level retirees can count on from Uncle Sam. The popularity of self-directed 401(k) benefit plans is understandable. Employees typically get an instant profit from generous employer matching contributions, a variety of investment products to choose from, and portability between jobs. But the benefit to employers is far greater—- an easy, low-cost, employee benefit plan with virtually no responsibility for the safety of the investments, and no lifetime commitment to benefit payments. In some instances though, employees are required to invest too large a portion of their account in company stock—- a situation that has caused major problems in the past (Enron, for example). 401(k) plans have virtually replaced the private pension system, and in the process, have transferred total investment responsibility from trustee caliber professionals to hundreds of millions of investment amateurs. Employees get little professional guidance with regard to selecting an appropriate mix of investment vehicles from the glossies provided by 401(k) fund providers. Few Employee Benefit Department counselors have degrees (or hands-on experience) in economics, investing, or financial planning, and wind up using the "unbiased" counseling services of the funds’ salespersons. How convenient for them. Interestingly, most salespersons also have no hands-on investment experience either—- go figure. Similarly, the financial planning and accounting communities seem to have little concern about such basic investment tenets as QDI (quality, diversification, and income). If they did, there would never be instances where individual investors lose everything in their one fund, one stock, or one-property investment programs. QDI is the fire insurance policy of the investment plan, but few 401(k) participants hear about anything beyond: past market value performance numbers, future performance projections, and the like. They are not generally aware of the risks inherent in their investment programs. This is where an understanding of investment grade value stock (IGVS) investing, the IGVSI and related market statistics becomes important to 401(k) participants, company benefit departments, accountants and other financial professionals. IGVS investing is just perfect for long-term, regular-deposit-commitment investment programs. Somehow, we’ve got to get 401(k) investors to understand the framework of an investment/retirement program and, then, we have to get participants and/or their professional advisors to look inside the products being offered. As much as I hate the idea of one-size-fits-all investment products, they are generally accepted as the best way to deal with larger employer 401(k) programs—- most employers don’t even know that more personalized approaches exist. Only when some form of company, sector, or economy melt down occurs, does the head scratching (and the investigating) begin. 401(k) participants need to understand that they are not immune to the vagaries of market, economic, and interest rate cycles. Along with their employee benefit plan comes total responsibility for the long-term performance of the investment/retirement program. Are you in good hands? Historically, IGV stocks fluctuate enough (both in general and by sector) to allow for mutual fund and ETF investors to select the less risky offerings from among the 401(k) product menu at the most advantageous times—- but all individual investors need to learn how to identify the risks and to learn how to deal with them. Typically, 401(k) participants buy the higher priced, last-year-best-performing, and hot sector offerings while they sell or avoid the various products they feel have "under performed" the market. Nowhere else in their lives do they adopt such a perverse strategy. And nowhere else in their thinking would they blindly accept the premise that any one number represents what is, or should be, going on in their personal investment portfolios. Risk minimization begins with quality, is enhanced through diversification, and is compounded with realized income. The first two steps require research, greed control, and discipline. The income part just requires discipline, so it should be much easier to manage. If you cannot identify and understand the individual securities within an investment product, and assess the overall quality (economic viability and risk protection), don’t invest in it. If you have more than 5% of your portfolio in any one individual security, or 15% in any one sector (industrial, geographical, social, political, etc.), make some changes. Since 401(k) plans are almost exclusively mutual fund shopping malls, it is difficult to assess the income or cash flow component of the risk minimization function. Product descriptions, or your benefits representative, should provide the answers. You can stay away from products that refuse to share the income with you, but the best way to benefit from a fund based benefit plan is to establish selling targets for the products you select. If your Blind Faith Fund Unit Value rises 10%, sell all or part of it and move the proceeds to another opportunity that is down 20%. Profit taking is the ultimate risk minimizer. So long as we are in an environment where retirement plan income (and principal in the case of all private plans) is subject to income taxation, 401(k) participants would be wise to establish an after tax income portfolio invested in tax exempt securities—- or to vote more selfishly. Steve Selengut sanserve (at) aol.com 800-245-0494 www.sancoservices.com www.kiawahgolfinvestmentseminars.com Professional Portfolio Management since 1979 Author of: "The Brainwashing of the American Investor: The Book that Wall Street Does Not Want YOU to Read", and "A Millionaire’s Secret Investment Strategy". Financial directory

How Can You Benefit From Your Credit Card Deals?

The present credit market has reached the high stage of its development and it' a well-known fact that loans and credit are more frequent than cash deals in all developed countries. Credit cards are mow used by millions of consumers for purchases of all kinds. We value credit cards for their flexibility, security and for being fit to our individual lifestyles! But can you use your credit cards so that you could make the most of them? Learn a few valuable tips aimed at teaching you how to get the most of credit card offers. However, all the merits of credit cards are numerous - they are safe and comfortable and there's no need for you to worry about carrying large sums of money! Best credit cards enable you to buy whatever you wish being a powerful financial tool! However, if you like to get the most of your plastic, you need to use it responsibly! If you happen to have a credit card debt, you'd better stop using the plastic for some time. Keep in mind that otherwise you can face great financial troubles! Therefore, take the following useful tips into account to avoid debts and gain credit cards benefits. - Do your best to pay off your monthly balances in full otherwise you will be charged high interest. Being punctual with your credit card payments you will also avoid late payment fees. The best way not to forget about your bills is paying right after getting them by mail. - If you are not able to pay the full balance because of lack of cash, you'd still better pay a sum that is more than a minimum payment. Remember that making only minimum payments you will never pay off your balance as creditors will accrue huge interest rates! - Applying for a credit card, make sure that the plastic you choose meets all your needs and lifestyle. If you are sure of your financial abilities, be free to apply for a rewards credit card. It will give you a chance to get bonuses and rebates using your card for regular purchases. If you intend to increase the amount of you repayments, low rate credit cards will suit you most of all. - Finally, use your plastic only to make those purchases that you really need! Don't forget that you always have to pay back! Remember that if you use your credit card to buy everything even if you have low interest on your credit card, you will certainly face a bad financial situation. If there's a chance to pay for a thing in cash, do not hesitate to do it! Otherwise heavy credit card debts will be lying in wait for you and will definitely spoil your credit history! And you don't wish to reestablish your credit once again, do you? Thus, now you know how to benefit from credit cards, so, try to be responsible with your credit card deals and you will certainly make the most of them! Mary S. Bailey is a personal finance advisor working at CreditOrganizer.com She writes valuable credit news and articles and is well-known in financial circles. Financial directory