Thursday, May 24, 2012

Bridging Finance Loans And How They Work

What Is Bridging Finance?

Bridging financing often refers to short term loans. These loans are usually made to businesses, and they are secured by the business itself, by property, by land, or even no loan docs. Generally these loans are going to be paid back within 30 days to 12 months. The reason why people would get bridging finances so that they can meet a temporary cash flow problem and deal with a deadline.

How to Get Bridge Financing

If you want to get bridging financing, you need to make sure that you go with an accredited company. Most of the time companies that provide you with bridge financing, are providing your business with a temporary loan. It typically only takes a matter of 24 to 48 hours to get one of these temporary loans processed, and get money even with no doc loans. It is called a bridge loan because it allows you to keep your business moving in the right direction even if you are temporarily short on cash. When you apply for a bridge loan you typically need to secure it either by using land or a piece of property.

Bridging finance can be great for your small business if you need money and a hurry. If you are going through the trouble of managing your own business, the last thing you want to worry about are financing details. Don't worry, most of the companies that do bridge financing for you can take care of all of those details.

Make Sure the Company Has a Good Track Record

If you're going to pick a company to do bridging finance with, make sure that they have a long track record, and that they provide quality service. You may even want to check with the better business bureau to see how their credit rating is and what other customers have thought when they have use them. Looking at how other customers have rated a business may tell you a lot about the business and whether or not they are trustworthy. avoid any companies that have a credit rating less than a B.

Bridging finances can help companies keep moving forward and producing their orders. In the short and in the long run, using this type of financing under a lot of different circumstances can actually prove to be a win-win situation for both the lending institution and the business. In the business world there are a lot of deadlines that you have to work around. Even if you are way ahead and profitability, you might be low on cash because you have a lot of money owed to you from your accounts receivable. If this has happened to you, you can use this special type of loan to help cover your temporary business needs and keep your business running. That way, you can keep your business liquid, and you can keep making sales. Bridge financing works great in the short term for a lot of small businesses.

Unsecured Personal Loans

If you have a less than perfect credit history or you need cash fast, you will know the pains of trying to obtain a loan from the bank. For a lot of people, it makes sense to look for financial solutions elsewhere and the fastest, easiest option is that of an unsecured loan.
Unsecured loans, as opposed to secured loans, do not require you, the borrower, to offer any form of security in the event of not being able to pay off the loan in time. This security would often be a personal asset such as your car or home. Placing in the possible hands of the bank something as fundamental as the car that transports you to your work is a big step to take. Without that car you could be without a job, hence income, hence financial independence. Placing the family home in that position is similarly daunting. Nobody wants to risk their castle for the sake of personal finance. Unsecured loans are also a great option for people who need finance but don’t necessarily have a suitable personal asset to put up as security for a bank.

Unsecured loans not only navigate around problems of credit history, low income or outstanding debts, but are known for being fast. A great option for short term loans, unsecured personal loans can be the saving grace for sudden expenses. Funerals, dental emergencies, rental bonds and car expenses can all be quite costly and spring up quickly. Some things just can’t wait and companies won’t be sympathetic of whether or not you have the money on hand. Unsecured personal loans aren’t only for emergencies though. Equally, for example, no family wants to scrimp on the extravagancies of their daughter’s wedding. Just because you don’t have the cash up front doesn’t mean she shouldn’t enjoy the biggest day of her life. Rather than stressing, head down and grab yourself an unsecured personal loan. This is the quickest financing option for you.

Unsecured loans are also easy. Because they require no security and much less paperwork, you can take that vacation without hassle. And isn’t that the whole point of a holiday? Bypass the stress and jump straight to fun times with an unsecured loan. For some brokers, loans are approved within 24 hours and require no more than a phone call or online application.

Wednesday, May 23, 2012

How to Get Money in an Emergency

Most of us have times in our lives when we are strapped for cash and need to seek emergency help in order to pay the bills and rent on time.

Fortunately, there are various ways you can get access to money if you find yourself truly financially stuck. Here are five easy ways you can get emergency money:

Take Out a Loan

One of the most traditional methods of getting money quickly is taking out a loan from a bank. This usually requires you to visit your local bank branch, make a request, and fill out various forms. Most banks require you to undergo a credit score check, so if you have a poor credit, you may be denied. Bank loans are one of the safest and most reliable ways to get money, but you need a good credit score to obtain a bank loan, and they are not completed quickly, so if time is of the essence you will have to look elsewhere for funds.

Consider a Title Lease

If you have a poor credit score and your request for a loan is denied, your next best option may be taking out a title loan on your car. Car title loans are helpful for getting cash in an emergency situation, as they can be completely quickly, and because most car title loan companies dont require you to undergo a credit check. A title loan will get you a short term collateralized loan (using your car as collateral) for up to the cars total value, but in return the company technically takes ownership of your car until youve repaid the loan in full. While car title loans offer a quick and relatively simple solution to short-term liquidity problems, they can lead to long-term disasters if you arent able to make your loan payments on time.

Try Your Luck at a Casino

Trying your luck at a casino may sound insane, but if you win big all of your money problems could be instantly solved. Many people have sought financial help by gambling away money at their local casino, but who knows, you could be in luck the time you try. Avoid financial ruin by only betting or gambling a small amount, and if luck doesnt seem to be on your side, look for another avenue thats just a bit less risky.

Get a Payday Loan

You can find payday loan centers in most major towns and cities, and they typically award borrowers with the value of their next paycheck. The borrower then has until the time of their next paycheck to repay the loan, which will include various ad-on fees as well. This may sound like a great short term financial solution, but borrowers should be aware that if they dont pay the loan back on time, their interest rates will skyrocket to much higher levels than conventional bank loans. Payday loans should ideally only be considered in absolute emergencies.

Sign up for a Credit Card

Credit cards rarely award cash, but a line of credit can help you pay bills and buy essential items. Most credit card companies will award cards to virtually anyone, so obtaining a line of credit usually isnt that much of a challenge. However, its important to note that you need to pay your credit card back on time each month to avoid interest from up and damaging your credit score. Credit cards are convenient, but making regular repayments is essential for getting any value out of them.

Above are some of the fastest way to get quick money, but each has their pros and cons. Heavily consider each option until you find the ideal method for you and your situation. Good luck!

Wednesday, May 16, 2012


Are you tired of losing sleep over your mounting debt obligations? Then it is time to stop worrying and put your own personal debt reduction plan into action. Even the smallest change to your spending and saving habits can help you get past the endless cycle of paying high interest payments which zap your savings. Here are 5 suggestions to get you started on eliminating your debt forever. 

1. Get your financial house in order. Make a plan to sit down and examine all of your debt obligations and rank them. Once you know where your money is going, you can decide on how to tackle your debt problem. You can make progress by paying off your smallest debts first, and then working your way up your list to the larger ones. As you progress, your sense of accomplishment and relief will help you to stay on course to remain debt free in the future. 

2. Make paying those extra amounts on your debt obligations part of your regular monthly budget. Any extra amount you can pay on interest payments will help you bulldoze that debt and get you back on track financially. Even the smallest amounts in the form of extra monthly payments will put money back into your pocket and out of the hand of your lenders. Remember, the faster you can pay off your debts means more money for you.

3. Stop adding debt to your debt. If you are only making minimum payments on your credit cards, stop using them now. Take them out of your wallet or purse, lock them up or cut them in two if you cannot stop charging things. The only way to eliminate debt is to pay it off and if you keep adding to it, you are trapped. When in debt, cash is king. You should try to keep a credit card for unexpected emergencies, but if you cannot control yourself, you may be better off without it until your debt is under control.

4. Spend less than you earn. Make a real effort to reign in your monthly spending so you end up with more income than expenses every month to eliminate your debt problem. There are items we can all cut back on, whether its coffee, entertainment or going out to eat. Apply those savings to eliminate your accumulated debt and you will be on your way to being debt free forever. 

5. Pay on time, every time. Knowing exactly when to pay your monthly bills will help you avoid any unnecessary late charges or higher interest rates. Don’t let a late payment cost you money. Keep current on your obligations and keep the cash for yourself instead of giving it away in the form of a penalty. 

Article provided by: America’s Debt Help Organization, Our goal is to serve as the only debt and financial resource you need.

Wednesday, May 9, 2012

Instant Credit! Apply for logbooks loans

Today getting instant loans are very difficult. In some cases people apply for urgent loans but they not even get the required amount of loan. In order to make the process of loan getting easier the method of logbook loans are introduced. These are actually short term cash loans which can be availed against your car. Here in this case you are not subjected to a credit check, you will have a confidential loan and receiving money is faster generally you will receive the money within 24 hours of your application. So isn’t it easy!
For applying for a logbook loan which is not an easy job what you have to do is try to search some of the online logbook websites. 

As mentioned above choice of logbook loan is obviously a smart choice to get quick, easy and confidential cash. Credit has become a harder task in the scenario of today’s world for everybody in present economic background. Struggle for getting a loan continues even today even for those who are without a poor credit rating. Logbook loans are a secure way of getting money. Tensions are for this. In this case there is no problem of credit check, messaging about or making any fuss. Just make a call and instant cash at hand whenever it is needed even within the same day. It is the simplest way of attaining a loan. It provides you the power of source credit whenever required.

It’s Working Procedure (simple, fast and easy)
Terms and conditions applied for obtaining it very simple. You have to own a car and you should not fall into the category of poor credit rating. You will get money with the security against your car. But what is even best is that you are authorized to keep the car. After this procedure is completed you usually receive the loan within 24 hours of your application and the money is yours and can use it according to your wish. Earlier before its introduction people used to get loans against their home which is a bit risky. But lesser risk lies with logbook loans. You may pay back the money when you are ready for it and your logbook will be returned. Follow the 5 simple steps and access the money against the security of your car:
  • Instant online application for logbook loans
  • You will receive one of the advisers call who will discuss your requirements
  • Appointment will be fixed with your local underwriter
  • Payment of money will be there and then
  • Still you will be authorized to use your car
Money amount
Depends upon the valuation of the car (more costly more money) : may be from £500 up to £50,000. Proper details about your car are mandatory after that you will know how much you will be given. With minimum one logbook loans, you can get half your car’s valuation and sometimes more.

So what’s the truth?
Cars cannot be sailed until you clear the loan. Enquiry will be there then the car will be returned immediately.
Jimmy Jones’s articles are unique and provides better suggestions about the topic of Logbook loans. To know more consult and visit the

Credit report – determines the face value of a customer

A credit report is a piece of information that contains the credit (borrowing) history. Lenders provide their information regarding a person’s credit history. This contains detail regarding how that individual has repaid the loan amount and other relevant information.

The term credit is derived from the Latin word ‘creditus’ which means to trust. The concept of credit has developed with this notion of trust. The lender lends money to the borrower with a signed contract that the latter will repay the money within a stipulated time as agreed before by both the parties.

The term credit has become a catchphrase these days. People now-a-days opt for credit every now and then. The prime mode of transaction these days are made via cards. Mostly credit cards. There are a few sites that provide the history of a customer’s credit background. Some of these sites are Experian, Equifax, Trans union.
Most of the things today starting from cable and electricity bills to personal loans, job applications and others, people gauge the credit rating. Hence it is always a wise thing to maintain good credit history. One should ensure that his spending are under control, one should try to avoid unnecessary debts, make on time payments and other things that makes his credit history a reliable one.

One should always try to remain clean in his credit transactions. The cost of everything has risen steeply over the last few years. People might need to go for a credit in certain emergency situations, such as in cases of a crisis or a health condition. The sudden requirement of money can then be sufficed by credit providing organizations. If the credit report of a person is bad, credit institutions will refrain from providing loans.
Once a report is damaged, it bears that information for the next seven to ten years. This depends on the amount of debt that has been taken by the borrower.

A report is not made until it is asked for, either by a lender or by the borrower. On demanding the report it is compiled by the reporting agency. This is then given to the one opting for it. This information is collected from several lenders, shopkeepers or others with whom we have dealt in credits. All this information are tailored together to make a complete report. That reflects the credit history of a customer or lender. The information includes several things like the way the borrowers use their accounts.

The files of millions of borrowers are maintained by the agencies. This information is bought by lenders who would be making their credit decisions. A credit history comprises a lot of information, it includes whether the customer has duly paid his bills, the time length of his accounts, the type of credit he uses and also whether he is looking for new credit providing sources. This provides a lender with a holistic knowledge about the potential borrower.

The reports are generally classified into four parts, these are
  • Credit history
  • Inquiries
  • Public records
  • Personal identification information
Therefore a borrower or a customer should be careful while dealing in credit transactions. A petty mistake or ignorance can have a negative imprint on the minds of the lenders.

Author bio – Jimy Jones has worked with credit providing institutions for a long time. He has provided his knowledge regarding credit report in this article. For more information Please visit

Friday, May 4, 2012

Financial Courses For Marketers

Professionally Endorsed Training Courses

The Chartered Institute of Marketing (CIM) celebrated their centenary year in 2011 as the world's largest organisation for marketers. Highly regarded within the industry, they have established government recognition as the sector's leading authority on marketing standards, information, knowledge and general practices. The institute also provide accredited, industry approved sales and marketing training courses which can be accessed through their extensive network of national and international study centres. These offer professionally recognised qualifications which are considered as the gold standard in marketing applications by 95% of the UK's employers within the sector. With over 120 courses on offer, CIM can deliver the potential for skill advancement for every tier of the industry ladder, from the entry level novice to the boardroom manager.


Foundation Level Training Courses

Budgeting for Marketers is a 7 hour course which is designed to help delegates to develop their levels of communication with other financial departments within the company. Understanding the correct terminology and methodology can be a great confidence boost when working in collaboration with others in a team based budget project. Of specific relevance to those new to budgeting creation and management, students will learn about the processes of reporting, forecasting and analysis when constructing a budget and the corrective applications which can be used to effect change in the event of a negative reaction. The course is taught as an interactive workshop with the opportunity to build a budget from sample data and justify the content and implications to other delegates. Fees for the 1 day course start from �550. Designed to show how using basic levels of maths and statistical processes can implement organisational change and achieve objectives, the Basic Maths for Marketers is a 1 day course which costs from �550 to attend. Course delegates are taught how to deal with the collection, processing, analysis and utilisation of quantitative data in order to liaise more effectively with colleagues during internal projects. During the hands on study programme, students will also learn about the differences between descriptive and inferential statistics, how IT can be applied to quantitative marketing and how to improve focus to enhance the ability to process data analytically.

Advanced Level courses for Marketers

The Managing Marketing Resources training course is directed at teaching delegates how to manage the balance needed between the skill set of a team and fulfilling the client expectations for their project. This is one of the most difficult skills to acquire and failure to do so can result in poorly designed projects with inadequate budgets, unrealistic time constraints and disappointing outcomes. Students are taught how to manage their people skills effectively, improve their interpersonal skills and comprehend their behavioural motivations in order to become a respected project and team leader. They also learn the importance of team dynamics and the managing the 'three Cs'; change, crisis and catastrophe. The course delivery is through hands on practice and role play scenarios with interactive exercises and group discussions. Course fees are charged from �1,597 for 21 hours taught over 3 days.

Training for the Boardroom

For managers who are seeking to improve relationships and team dynamics within their department, the Coaching Skills for Managers 2 day training course can offer an effective learning platform for the development of innovative tools for use within the office environment. All managers are familiar with the principles of training, mentoring and tutoring team members, but the processes involved in coaching can deliver a whole raft of benefits including how to allow for the potential of growth, enhancing performance and wellbeing, building rapport and utilising strategies for conflict resolution. During the study programme, delegates will be taught basic NLP (Neurolinguistic Programming) techniques, how to inspire a greater level of commitment from their teams and to better understand the motivations behind why individuals behave as they do. The 2 day course costs from �1,325.

Thursday, May 3, 2012

The best ways to save money and never feel bad about it

best ways to save money
This is a guest post by Mark Bennett of Saveology, a site that offers savings and latest news on Comcasttv.

Most people would like to save money; however, no one would like to publicize the fact fearing they will be considered stingy. Being stingy is quite different from being prudent. There is nothing wrong in planning your expenses and trying to live well within your means. Remember, it is pennies that add up to dollars; hence, being thrifty is a great means to save. While there are several ways and means to save small money, here are a few tips that you may never have heard of.

Everyone needs entertainment and now that it is available at your doorstep, most homes have Cable TV and other essential services like an internet connection. However, in your urgency to get connected immediately, you never bother about checking the options that may be available. What you would normally do is to start looking for service providers and when you come across a catchy advertisement that is really convincing, the tendency is to sign up immediately. However, what you don’t realize is that there could be other providers in the same area who provide similar services at more competitive prices. Signing up after researching thoroughly would help save a lot of money every month. Don’t forget to read the fine print and make sure you are not getting into any contracts without realizing it.

Buying used stuff instead of harping on something that is brand new, helps save a lot of money. Whenever you decide to go for a major purchase, look around a bit and maybe there is someone wanting to sell the same item which is almost useless for them. Send some e-mails to close friends and relatives (it doesn’t cost you any money) describing what you are looking for. More often than not you are bound to find exactly what you were looking for, and the best part is that you could clinch the deal for half the price. There are several web- sites that cater to such needs. Here, offers and requirements are posted and millions of dollars worth merchandise is being bought and sold every day.

Having a simple wardrobe would be a smart thing to do. You don’t have to appear sophisticated for someone else’s sake. For instance, never choose clothes that can serve only as outfits. Instead of buying a yellow and green striped blazer that can go only with a couple of outfits, buy a serge blazer in navy blue or black that will go with most clothes you wear. Don’t spend too much money on trendy stuff that cannot be in vogue for long. Instead, spend on quality wear that will look stylish, last longer and spell class as well.

Shopping prudently with a perfect sense of timing can help save a lot of money. Instead of buying seasonal stuff like holiday cards, decorations and gift wraps during the peak season, try to buy them off- season when there is a discount. Savings of up to 5 % is guaranteed. These items can be stored for as long as you want, as they won’t fade nor will they go out of fashion. Similarly, try shopping when others would rather stay indoors. For instance, during peak winters, when most people would rather huddle in front of the fireplace, you could brave the cold and save a pretty pile on the off-season discount.