Archive for Financial Planners

Advantages Of No Credit Check Loans

By Sean A. Kelly

No credit check loans would seem to be the best option for people with bad credit rating or bad credit history. These kinds of loans do not require an individuals credit report or score for loan advances. It may however be noted that usually these kind of loans though not dependent on credit checks do have a dependency on other factors. Added to this the interest rate at which the loan may be approved or advanced might be quite high. These kinds of loans may be availed by people who need extra money, but have bad credit and cannot fulfill their needs in that particular moment. Such advances usually come with higher interest rates. The lender might also be aware of the risks that he might have to face because he might have to check the borrowers credit which accordingly would show his liability. The interest rate varies from different lenders and may be slightly higher than the other types of loans but the availability of fast funds may render these type of loans useful in any financial crises.

No credit check loans are of different types. Some of the no credit check loans are cash loans, mortgage loans and auto loans. It may however be noted that these loans would be better availed for emergencies as usually the interest rates would be way much higher than other loans. Most people avail these no credit check loans in the form of cash loans or personal loans. The tenure usually opted would be between 1-30 days. These loans are popular due to ready availability of money in dire or unplanned financial needs. The fees and interest rates would be high largely due to the general tendency of faulty or late payments that incur losses to the lender. No credit check loans can be a lifesaver if a borrower would use them in the manner they were meant to be used. They may cause further credit and financial problems, though, when not used properly.

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Credit Check loans might be categorized as the type of loans usually available in the market. All loans that are advanced by banks or other financial institutions would fall in this category. These loans like mortgage loans, car loans, personal loans, student loans etc. would be some type of credit check loans. The loans advanced would be dependent on the checks made by creditor regarding the financial status of the individual seeking a loan. The number of creditors checking the financial history of an individual affects the persons credit score. It may be noted that credit score or credit history would play a major role in the terms and conditions on which a creditor might advance a loan. Usually, a poor credit rating would mean a higher rate of interest. It might thus be a great idea to check ones credit score and try to set right those factors that might be affecting the credit score negatively.

Credit scores would normally mean an average credit score. A credit would be a numerical expression based on a statistical analysis of a person’s credit files, to represent the creditworthiness of that person. A credit score would primarily be based on credit report information, typically sourced from credit bureaus. A credit score would generally be arrived at using a statistical algorithm developed by The Fair Isaac Corporation or FICO. It would be advisable for an individual to check ones credit report at least once a year to check for any misinformation or abnormalities regarding his or her financial records with the government. The government offers one free credit report per year. The credit report may be ordered from any or all of the three credit reporting agencies namely TransUnion, Equifax and Experian. An average of the three scores may be considered as an individuals score.

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Bum Marketing How To Find A Niche

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By Justin Michie

One of the most difficult tasks for most Bum Marketers seems to be finding a niche thats profitable, but doesnt have a ton of competition. One of the main reasons I believe they have a hard time is partially because theyre not exactly sure what a niche is. According to Wikipedia

A niche market is a focused, targetable portion (subset) of a market sector.

By definition, then, a business that focuses on a niche market is addressing a need for a product or service that is not being addressed by mainstream providers. A niche market may be thought of as a narrowly defined group of potential customers.

A distinct niche market usually evolves out of a market niche, where potential demand is not met by any supply.

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Such ventures are profitable because of disinterest on the part of large businesses and/or lack of awareness on the part of other small companies. The key to capitalizing on a niche market is to find or develop a market niche that has customers who are accessible, that is growing fast enough, and that is not owned by one established vendor already.

Although exercise is by definition not a niche, a subset of exercise such as lower back exercises could be a niche. But is it profitable? You bet, but it also had a modest amount of competition.

With Bum Marketing, the goal is to find a niche where there isnt a lot of competition, but there are enough buyers to make it profitable. If theres a ton of competitors around, its going to be that much more difficult to dominate the niche and show up in search results. But on the other hand, if there arent enough people actively searching for a product similar to the one youre promoting, as a result youre not going to make many sales and earn much in the way of income. You need to find a healthy balance of the two and for most people, thats one of the harder and more time consuming aspects of Bum Marketing.

So where do you find a niche that has enough buyers but not enough sellers? The easiest way is to look around you and your life. Look for and identify a problem that youve had or people around you have and find a solution to it. Ideally youll want to write about something you already know about so you dont waste precious time with research and fact finding.

Maybe you lost some files on your computer recently and needed to buy file recovery software. You probably didnt buy the very first software program you came across you likely compared them a little including differences in price, features/benefits, ease of use and so on. File recovery software is a niche that you know enough about from your research you should be able to write 5 or so articles on it.

Some other placed that I regularly get ideas from include online forums, television, newspapers, advertisements, conversations, wanted ads and so on. Or if youre really stuck, you could even go to eBay or Google and search for private label rights niche articles to get good ideas for topics. You can buy them if you like, then simply rewrite the articles to save time, or you can just borrow the niche or topics and write your own from scratch.

All in all, simply keep your eyes and ears open and a pen and paper handy, and youll come across more niches than you could ever utilize.

About the Author: Justin Michie is an internet marketing entrepreneur, small business coach and author of Street Smart Internet Marketing.

If you’re interested in earning $1,000+ per month, per niche, grab a copy of his Advanced Bum Marketing Tactics & Techniques Report at bummarketingtechniques.com

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