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5 Tips to Use When Applying for a Loan

5 Tips to Use When Applying for a Loan

Loans can be lifesaving when taken at the right time and from the right people. Loans can help you in many areas of life that you may lack the adequate capital for. These areas include buying of land, building or buying your home, buying a car, starting a business or even taking your children to school. A loan can be the difference between you and your dream so in some cases they are inevitable. You may have some problems deciding who do go to, whether an individual, a bank or microfinance. Well here are tips that should help you during your loan application process.

 

Consider lender’s credibility

 

If and when you decide to get a loan, one of the vital things to consider is who to go to. Among the various banks and shylocks and friends you have, which one of them serves you best and fits perfectly into your paying back scheme. Whichever you choose, you must make sure that their terms are favorable for you and their interest rates are not out to burn you. Low-interest lenders should be on top of your list.

 

Less is best

 

In as much as you are looking for a loan because you do not have enough money of your own, it would be tragic to take on more than you can afford. When applying for financial aid, take as little as possible so that when it comes to paying back, you won’t be draining yourself out. It is better to take a small loan and pay it back and then getting another one later, than taking one big one which will have you on your knees during the time of refunding.

 

Read all the Paperwork

 

In as much as the terms and conditions are usually long and tedious, when it comes to taking a loan, it is advised to read every line and word in the paperwork they provide. If you ignore this step, you may end up on the wrong side of the law because of one small bit that was right in the heart of the document. If you need to get a lawyer or any other person to help you review the agreement, then do. This way you will know all the terms that are being offered to you, all risks and possible outcomes in the case of future complications. Once you know all this, you will be in a better position to know whether this specific lender is best for you or whether you need to look for options.

 

Ask away

 

Because taking a loan is not a trivial matter, you need to have as much information as possible. After deciding who your lender is going to be, make sure you ask as many questions as you have. Do not make any assumptions. If anything is unclear to you, then ask for clarification. By doing this, you will be eliminating all the loopholes that may be used negatively on you in the future.

 

Take your time

 

Never rush into the decision of signing a loan agreement. It is already established that most people apply for a loan at some point in their life whether formal or otherwise and you are therefore not making a mistake by asking for one yourself. However, do not make any rushed decisions. The application process may be extended and with some conditions and requirements which you will have to adhere to. Therefore, take some time to gather your thoughts. You may ask for a second opinion from a friend or mentor. Then make sure you have all the documentation they may ask for, and finally make the final decision to take the one that best works for you with a clear head. This way you will have peace of mind, and you will be motivated to make it work for you.

 

With some help and support and these five tips, your loan application process is bound to be easy and successful. Remember not to shy away from asking as many questions as possible when in doubt. You can never be too sure and it is the only way to understand fully what your loan entails. Happy loan application.

3 Great Ways to Reduce Stress During a Move

3 Great Ways to Reduce Stress During a Move

It’s no secret that moving can be incredibly stressful. If you are in the process of planning a big move, you might feel incredibly stressed. Fortunately, it’s possible to do certain things to reduce stress during a move. Follow these tips if you’d like to make the process a whole lot easier on yourself.

1. Hire Help

So many people make the mistake of thinking that they have to do everything themselves when they move. However, this couldn’t be further from the truth. There are many ways that you can get help with your move so that you can make things a whole lot easier on yourself. For example, hiring a moving crew to help with the bulk of the packing and moving of your items can be a great way to relieve stress. You might also find that it’s a good idea to hire a pet sitter, babysitter or both to help with your children and pets so that you can get things done. There is certainly nothing wrong with hiring help for your move if it will help you get things done more easily.

2. Start Early

Another big thing to remember when moving is to start early. So many people wait until the last minute to get started with things like packing and cleaning the house up for their move. In some cases, you might have to move at the last minute, so you might have no other choice but to do so. In other cases, however, people have plenty of notice. If this is the situation for you, then it’s better to start early with purging unwanted items, packing up stuff that you won’t need before your move and more. If you do more now, you’ll have less to do when it’s time to actually move.

3. Use To-Do Lists

Some people can’t imagine getting through their day without a to-do list, while other people never make them. If you’re someone who never uses to-do lists in your day-to-day life, you might find that it’s worth it to try it out when you’re moving. There are so many different things that have to be handled during a move, and making a list will help you ensure that you do not forget anything. Additionally, when you are dealing with such a long list of things to do, being able to check things off as you complete them can be a wonderful feeling.

It’s true that a move can be incredibly stressful. Luckily, though, there are steps that you can take that can make it less so. If you remember these three things during your upcoming move, you might just find that it isn’t nearly as stressful as you thought it would be.

4 Reasons to Buy a Quality Case for Your New Phone

4 Reasons to Buy a Quality Case for Your New Phone

While there are all kinds of insurance you can purchase to protect your new phone, there are a number of things insurance won’t cover and what it does cover generally comes with a high deductible attached. Even just making a claim can be a nightmare. If you want to get the most out of your phone and protect it as well as possible, you are probably going to want to buy a case for your phone. If you’re not sure, here are 4 reasons to buy a good, high-quality case for your phone.

1. Drop protection

Dropping your phone can create a wide variety of damage ranging from a cracked screen to internal damage to sensitive electronic components. In most cases, you will end up paying out-of-pocket for a cracked or damaged screen even if you have insurance. With the cost of fixing a cracked screen running as high as $250, the price of a good case is much cheaper. Even when insurance covers the damage, however, you may have to pay a deductible, wait several days for a new phone and generally receive a reconditioned phone rather than a brand new phone. A $30 – $50 case can go a long way towards saving you a lot of money and hassle.

2. Scratch protection

No insurance is going to cover your phone against scratches, dings and dents, but a good phone case can. For additional protection, you can also invest in a case that has a screen protector or front cover. This is particularly important for women who carry their phone around in their purse. Most good cell phone cases will have a small lip around the outer edge of the case, which also helps protect your screen when you set your phone down on its face.

3. Unique protection

The likelihood is that you’re going to have your phone for a year or more and staring at the same plain old boring black, silver, white, gold or rose gold case can get tedious. There are an almost limitless number of styles, designs and fashions when it comes to cell phone cases. Choose one in your favorite color or one that features your favorite sports team or even Pokemon character.

4. Bend protection

While there may or may not have been any legitimacy to Bendgate in the first place, and while Apple may have fixed whatever design flaw the iPhone 6s may or may not have had in the iPhone 7, the reality is that cell phones are getting longer and thinner. Just based on the laws of physics alone, this makes them more susceptible to bending. While simply carrying a phone in your back pocket may not be enough to bend your phone, a good case will help provide additional protection to the innate weakness of long, thin phones.

5 Reasons College Students Should Use Portable Storage Units

5 Reasons College Students Should Use Portable Storage Units

Portable storage units are a good way to store items you may not use every day. Because many college students constantly travel back and forth between their colleges and their parents’ houses, then a portable storage unit is a good way to store property that the student may not use every day. Read on for more reasons college students should use a portable storage unit.

To Save Space
Parents often complain about junk cluttering the house. Oftentimes, when a student leaves home, they leave behind old clothes, books and other items they may not need every day. One common way families deal with this is to put the leftover belongings in a basement or leave it in the student’s bedroom. However, some families need that extra space. If this is the case, investing in a portable storage unit can help get extra stuff out of the family’s main living spaces and help clear out garages and basements.

To Secure Items Over the Summer
Some students carry too many things with them to their dormitory or new apartment. When summertime comes and the student wants to move back home, it can be a hassle to move all of the student’s belongings, especially if the student attends school out of state. To alleviate this problem, the student could rent a portable storage unit and leave their items near the campus over the summer. This would secure the items until the student travels back to campus in fall.

To Store Items During a Move
Some college students spend their first year or two in dorm rooms and then upgrade to an apartment. If this is the case, the student might need a storage unit to house items in the interim as they move.

Save Money on Moving Costs
For students who attend a college far away, moving bulky items back and forth can be expensive. This is especially true if the student rents a moving truck or van. However, renting a storage unit over the summer could save the student money, as long as they have a place to house the storage unit near the campus in summer.

To Make Space for a Room Conversion Project
Some parents turn their college students’ rooms into home offices or guest bedrooms. However, this is difficult to do if there are leftover clothes or books or other belongings clogging up the space in the student’s bedroom. Renting a portable storage unit can solve this problem.

When searching for ways to save money, time and space, consider renting a portable storage unit. Storage units can also be helpful during a move.

7 Common Fashion Items for Men in Spring 2017

7 Common Fashion Items for Men in Spring 2017

Spring is almost here; if you live somewhere cold, you’re probably pretty excited to start dressing for warm weather again. If you want to dress well, but you don’t have the money for these items recommended by the New York Times, here are 7 items that every guy should have in their closet heading into spring.

1. Polo Shirts

Situated the perfect distance between casual and professional, polo shirts are perfect for spring. Pick one that fits a little snugly–there shouldn’t be excess fabric around your biceps or stomach. CNN even named the polo an essential “minimalist” item.

2. Boat Shoes

Boat are a staple of Spring fashion, but you aren’t limited to “plain-Jane” brown shoes–Sperry and other companies now offer various colors and styles for the traditional boat shoe, including pastel options (which would go well with many other items on this list).

3. Pastel Dress Shorts

Do us a favor and save your denim cut-offs for around-the-house wear. A well-fitting pair of pastel dress shorts is an essential for spring. When standing, the hem of your shorts should hit between one and three inches above your knee.

4. Sunglasses

When the sun’s out, you have to protect your eyes. Traditionally, warmer weather is the time for aviators and other metal sunglasses, which get too cold for comfort in the winter.

5. Canvas Belts

Wearing brightly colored shorts with a standard leather belt can look a bit stodgy, or even a little clueless if the pairing is particularly bad. A bright, webbed canvas belt will give your Spring outfit a little extra “pop”.

6. Necklaces, Wristbands and other “Man Jewelry”

Jewelry is a hotly-debated subject in men’s fashion; many men simply won’t wear any. If that describes you, we humbly suggest that you break out of that rut. You don’t need to wear anything gaudy, but a subtle item like a dog-tag necklace, leather cuff, or interesting bracelet can tie together your look (and maybe even give you and an attractive lady something to talk about).

7. No-show socks

When the weather heats up, it’s tempting to go sockless, but if you have foot odor, this can mean the death of a good pair of sneakers (especially canvas, which absorbs odors really easily). If you want the sockless look, invest in a pack of no-show socks–you’ll thank us later.

Looking Good Year-Round

We hope that your Spring is fantastic, and that you look fantastic for it! With a combination of these items, you’ll be set for Easter, Memorial Day Weekend, and more.

9 Types of Clothing that will Travel Well

9 Types of Clothing that will Travel Well

Traveling can be a ton of fun, but there is one part that can be more stressful than entertaining: packing. Trying to decide what to take with you on a trip can be tough, but these are a few types of clothing that will travel well when you head off on your adventure.

1. Leggings

Some people love them and some people hate them, but no matter how you feel about them, you have to agree that black leggings are very popular. Truthfully, they are a good clothing item to take with you when you travel because they don’t take up as much space as jeans, since they can be rolled up easily. They’re also highly versatile for traveling; they can be worn with a long top when going out exploring or a dressy top and heels for going out on the town. You can sleep in them, hike in them or wear them to the fitness center at your hotel. Plus, some pairs can be washed in the hotel sink and hung up to dry, since they don’t usually take as long to dry as jeans and other types of pants do. Choose a black or brown pair that will be neutral and that will match with everything.

2. Jeans

Jeans are also a great choice when you’re traveling because they can be worn several times in-between washings and are very versatile, since they can be both dressed up and down. Consider a dark-colored, simple pair for traveling, since you can wear it with just about anything.

3. White T-Shirt

For guys and girls, a white T-shirt can be a great traveling staple. You can wear it alone casually, can dress it up with a nice jacket, or can wear it underneath other clothing items as an added layer. A white T-shirt can also be very comfy for sleeping in.

4. Button-Down Shirt

Both men’s and women’s button-down shirts can be a great addition to any travel wardrobe. They can be worn with nice pants for a dressier occasion or can be dressed down with simple jeans or leggings.

5. Long Johns

If you’re going to be traveling to a cold locale, you may want to pack long johns in your luggage. They should roll up easily so that they can be packed without taking up too much space, and you can wear them underneath your clothing to stay warm on cold days.

6. Multi-Way Bra

For ladies who are wondering which bra to bring along on a trip, consider a neutral-colored multi-way bra that can be worn the “normal” way, strapless or in another style. Then, you won’t have to worry about bringing different bras for different outfits.

7. Sweatshirt or Hoodie

A sweatshirt can be nice and cozy and can be worn casually when you’re sightseeing or hiking. It can also be comforting to wear when you’re flying and want to catch a nap or just relax.

8. Sneakers

Depending on where you are traveling to, you might spend a lot of time walking. Consider a nice-looking pair of sneakers that are already broken in and comfortable; they can work with many outfits and can help keep your feet comfortable when you’re on your feet.

9. Swimsuit

No matter where you’re traveling to or when, consider packing your swimsuit. After all, even if you’re traveling during the winter, you never know if a hotel might have an indoor pool!

If you’re packing for an upcoming trip and are unsure of what to bring along, consider this list. Then, you can ensure that you are bringing along useful items that will be easy to travel with.

5 Things to Know Before Going on a Rafting Trip

5 Things to Know Before Going on a Rafting Trip

Preparing for a rafting adventure can take some work and planning, but it will pay off by helping you get ready to have the safest and best time. Here are five things you need to know before you go on a rafting trip.

Rafting is a Sport
When you watch rafters on video or television, it may not look like they are doing that much work. But in truth, rafting can burn 300 or more calories for each hour of rafting exertion.

So you will want to get as fit as you can before your rafting trip so you avoid the discomfort of extra soreness during the trip.

Rafting Safety Is a Must
When you are rafting, you are away from civilization, cell phone service and all the comforts of home. Of course, this is why most people go rafting! But if you do experience an injury or get ill, you will be far away from your usual sources of medical care.

So be sure you bring along a basic first aid kit and some basic instructions so you can treat any minor injury and go back to enjoying the trip.

Rafting Requires Proper Protective Attire
For most tours, wearing a life vest and a helmet of some sort are required. This is because, in the case you do fall out of the raft, you will be as protected as possible until you can be retrieved.

If you plan to raft without a guide, you should still wear a helmet and life vest as well as lightweight clothing that dries quickly.

Rafting Exposes You to the Elements
Even if your big day arrives and the weather seems cool or overcast, this doesn’t mean you won’t be exposed to the full spectrum of ultraviolet rays and sun. Also, the you are out on the water, the sun will reflect off the water and be more intense.

So slather on the sunscreen. For extra protection, wear a sun-repellant hat (with a chin strap). Also be sure to wear UV-blocking sunglasses (with a strap) for eye protection.

Pick the Right Difficulty Level for Your Skill
If you are just learning to raft, you don’t want to sign up for a Level VI course. This is the hardest level! Even if you think it will be too easy, you may want to start out with a Level I course so you can learn the basics in a stress-free environment.

By taking the time to learn what you need to know, do and plan for before your rafting trip, you can prepare physically, mentally and safety-wise to have the most memorable and fun trip possible.

3 Pieces of Jewelry Every Woman Needs in Her Collection

3 Pieces of Jewelry Every Woman Needs in Her Collection

No matter what the era, women have always worn and continue to wear jewelry. These are essential accessories that can absolutely complete the look of an outfit, whether you are going to work, attending a party or even if you are simply going out to run some everyday errands. Many women feel naked without wearing certain pieces of jewelry. Keeping these things in mind, here are three pieces of jewelry every woman needs in her collection.

Diamond Stud Earrings

A nice pair of diamond stud earrings is absolutely a must-have. Even without any other jewelry on, a great pair of diamond earrings can really make you feel amazing. This type of jewelry can be worn in just about any situation or place and can be worn with both a fancy outfit or your most casual wear. There are a wide variety of sizes, from a half-carat to two carats and even larger, and you can get diamond studs in a variety of colors. Standard white diamond stud earrings are beautiful and timeless, but there are other options such as blue and yellow. Women who have multiple ear piercings may even want to have more than one pair of diamond studs in varying sizes.

Metallic Chain Necklace

A nice metallic chain, from which you can affix a charm to wear around your neck, is always a nice piece of jewelry. Whether you prefer gold or silver, there is always room for a great chain necklace. You can find this timeless article of jewelry in rope, snake, lanyard, herring bone, chain and more styles in varying prices depending on the type of metal you choose. When it comes to gold, you can find cheaper options of 10 karat, the midrange 14 karat or the pricier 18 karat gold option. Gold chains are also available in yellow, white and rose gold.

String of Pearls

The final piece of jewelry that all women should have in their collections is a lovely string of pearls. A pearl necklace is absolutely timeless and can go beautifully with a wide variety of attire. Although you might want to save your pearls for special occasions, such as a wedding, you can wear them at less dressy events such as parties or to the office as well. Best of all, in spite of what most people think, you can find pearl necklaces in different colors and not just white. There are black, gray, silver and cream hues from which to choose as well.

4 Things to Keep in Mind When Moving to a New Location

4 Things to Keep in Mind When Moving to a New Location

Moving can be an exciting experience, but it the unknowns surrounding the move can make it a bit scary as well. If you have lived in the city, it may take some time to get used to the relative quiet of the suburbs or frequent encounters with animals in a rural setting. What are some other things to keep in mind when moving?

Give Yourself Plenty of Time to Complete the Transition

It can take several hours to complete a move across town or within your local area. In the event that you are moving to a new state, that process could easily take multiple days. Remember, there is more to a move than just putting your stuff in a new place. You have to make sure that you have your cable and internet turned on and that you can turn the lights on that first night in your new home.

Don’t Forget to Stop By the DMV

You will need to update your drivers license to reflect your change in address. If you move to a new state, you will need to turn in your old license and get a new one issued by that state. In addition to getting a new license, it may be necessary to register your vehicle and pay state sales tax when moving to a new state. It may also be necessary to change your address, which you can do online.

Get the Kids and Pets Ready for the Change

Your kids may not want to leave the only home that they have ever lived in. A long distance move may mean having to change schools and make new friends. If you have a cat, it will not be happy that its environment has been changed. Therefore, you may want to have it stay with a friend or relative until the move is completed to reduce the stress it will experience during the process.

You Don’t Have to Sell Your Home

If you are moving out of a home that you own, you don’t need to sell it before you leave. In fact, it may be easier to rent it and make money in the process. There is nothing wrong with living in an apartment or with any friends you may have in town until you get settled. This may be best for those who have to move quickly or think that the move is temporary.

Moving is an experience that almost everyone will go through. However, with good planning and advance preparation, you can make your move go as smoothly as possible. Good planning will also help your kids, pets and anyone else in your family get past the negatives and embrace the change that is coming.

4 Instant Perks of Utilizing Once-Fired Brass

4 Instant Perks of Utilizing Once-Fired Brass

Once-fired brass is a term that is used in the industry for a more broad definition of the term reloadable brass. Typically obtained from shooting ranges or military sources, once-fired brass is the casing from shells and ammunition that have been used once.  Let’s take a look at 4 instant perks of utilizing once-fired brass:

Cost Savings 

One of the first things that you will notice being new to guns, is the fact that shooting can be expensive. There is the initial cost of your firearm, range fees (if you don’t have land), and then there is the expense of the shells – which can really add up. If you choose to reload ammunition with once fired brass, it can provide a cost savings. The level of savings depends on the type of gun the ammunition would be fun and the type of materials that are used – but there are savings nonetheless.

Customized Loads

One of the best benefits is being able to customize your reloads as you see fit. You are able to customize the ammunition based upon what you are shooting whether it is target practice or are hunting live game. You can change the amount of recoil – whether you want more or less. Variations can be achieved by adjusting the amount of powder that is used, changing the type of powder that is used, and/or the bullet weight in order to customize your own reloads.

Available Shells 

Back a few years ago, ammunition was flying off the shelves and there was a concern that ammunition was going to be hard to get. Those that like once fired brass and can reload their own shells, and purchase supplies to make ammunition. Once doing so, are then able to create ammunition to have on hand.  Just be sure to store properly – you’ll want to avoid high heat and prevent exposure to moisture and humidity. Keep your eye out for any green showing on the brass casings. These are signs that your casings have not been stored properly, and should not be utilized.

You Gain a New Hobby 

Many who have gotten into utilizing once fired brass and started reloading, find it to be a great hobby and enjoy it very much. You learn a lot more about the working of your weapon, how it is assembled, and what it really requires by way of ammunition. Continuing to learn and grow, experiment, while assembling optimized ammunition. This hobby is best enjoyed by those that are neat in nature with their workspaces, have a thirst for knowledge, and take their time in their work.