Some people who own some fixed assets are considered “lucky” even though their credit scores are badly affected by the global economy crisis. They make good use of their fixed assets to serve as collateral so that they can obtain financial assistance from loan providers with low interest rates. For people who do not have any fixed asset, what can be done if they need cash for important matters? How can they resolve their financial hardship?
Here is your solution – the unsecured bad credit installment loans online. You don’t need to own any fixed asset. As long as you are currently employed and you have fixed monthly salary, you are eligible to obtain the bad credit loan. Having poor credit history will not deter you from getting the financial assistance.
Before you make up your mind to take up the loan, you are reminded to go through the three tips stated below:
* Ask yourself honestly whether you really need the loan
I am not saying that unsecured bad credit installment loans are bad. To certain extent, they are really helpful for people who are in need of cash. To be frank, different people may have different needs when they apply for loans. You need to evaluate your financial situation carefully to find out whether the loan is really important for you or not. If you don’t need cash for urgent matter, it is not wise for you to obtain bad credit loan as this type of loan requires the borrowers to pay the interests through the nose.
* Find the genuine online lenders
If getting the unsecured bad credit installment loan is a must, then you are advised to search for it through the internet. The application process can be very fast if you are able to provide sufficient personal information. However, please do not submit any personal documents to any lender if you have not done any background checking on the particular lender. It will be good for you to gather the information of those genuine lenders from the official site of the Better Business Bureau.
* Consider the interest rates offered by different loan providers carefully
Please accept the fact that you need to bear much higher interest when you take up unsecured bad credit installment loan from the “special” lender. In order to save as much financial cost as possible, you must spend some time to compare the interest rates of different loan providers so that you can select one which provides you the best rate.
Having bad credit doesn’t mean that you are not good in managing your finances. Learn from the mistakes and experiences so that you can manage your finances in a more proper manner.
Many have problems of getting reliable unsecured bad credit installment loans during desperate times.
VISIT US AT http://www.emergentfunding.com/ to see how we can help you.
Verbiage provided by: http://www.nptools2009.com/unsecured-bad-credit-installment-loans-online-3-important-tips-you-must-keep-in-mind/
Friday, July 15, 2011
Wednesday, July 13, 2011
Faces of Distracted Driving
Accidents caused by distracted drivers can be tragic. Watch these videos and visit Distraction.gov to learn more from the U.S. Department of Transportation about how distracted driving has impacted lives:
 | Alex Brown In 2009, 17-year-old Alex Brown was killed when she crashed her truck on a rural road while she was texting. To honor Alex's memory, her family formed an anti-distracted driving advocacy group. Watch the video... |
 | Jacy Good On the way home for Jacy Good's college graduation, a driver talking on his cell phone ran a red light. The crash killed her parents instantly, and Jacy spent four months in the hospital. Today, Jacy raises awareness about the dangers of texting and cell phone use while driving. Watch the video... |
 | Ashley JohnsonOn May 10, 2010, 16-year-old Ashley Johnson was killed when she lost control of her vehicle, crossed the center line, and hit a pickup truck head-on. She was texting at the time of the crash. Watch the video... |
 | Julie Davis In 2009, Julie Davis set off for a hike with her best friend. While walking, a 19-year-old driving at 70MPH struck Julie from behind, killing her. Laurie Hevier, Julie's daughter, is now an advocate against distracted driving. Watch the video... |
Avoid Unexpected Cell Phone Data Charges when Traveling this Summer
Nowadays, cell phone users are surfing the web, receiving emails and watching movies all on their smartphone with just the click of a button from just about anywhere. However, when traveling abroad, many consumers fail to recognize that their data plan is constantly in use even when they think their phone isn’t. Better Business Bureau is advising consumers to either turn off their phone or make the necessary data arrangements with their cell phone provider to avoid thousands of dollars worth of data charges while traveling abroad this summer.
Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.
According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.
“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “To prevent the unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”
BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:
Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.
Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.
Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.
For more travel tips you can trust, visit www.bbb.org/us/bbb-news.
Last year alone, BBB received more than 27,000 complaints against the cell phone industry, some of which were from customers who were unaware that their data was still in use as they traveled outside of their coverage area or outside of the United States. One particular customer was charged more than $1,200 when his cell phone auto received his emails daily during a one week stay in Jamaica.
According to the Federal Communications Commission (FCC), “roaming” is the term that describes a wireless phone’s ability to make and receive calls outside the home calling area under your service plan. When your phone is roaming, an indicator light on your phone may display the word “roam.” On occasion, your handset will not display a roaming indicator, even though it is in a roaming area. Before traveling abroad or out of your coverage area, it’s important for consumers to be proactive and contact their provider for specific details regarding their individual data and roaming plan.
“While the international roaming charges may vary from provider to provider, many of the fees can come as a surprise to travelers,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “To prevent the unexpected roaming charges, contact your cell phone provider to clarify where you are covered and the data plans that can be purchased when traveling abroad.”
BBB advises consumers to do the following with their cell phone and cell phone provider in preparation for a trip abroad this summer:
Turn off your phone. If you don’t need your phone and don’t plan on using it while traveling abroad, turn it off. Some travelers opt for renting or buying international cell phones. Many rental plans offer services that work in several countries and may provide free incoming calls.
Contact your cell phone provider. Many cell phone users know not to make calls or send text messages while out of their coverage area or abroad, but many fail to realize that their data is in use even when they don’t think it is. For the occasional traveler, who doesn’t talk on the phone that frequently, it may be worth looking into an international add-on plan. Your cell phone carrier can provide specific tips that cater to the roaming needs of your individual cell phone and data plan.
Invest in a prepaid SIM card. For the frequent, chatty travelers, or long-term travelers, investing in a prepaid SIM card may be the best way to cut costs. With access to a local phone number, you’ll be able to make phone calls at the country’s local rate. Always check with BBB before choosing an international service provider. Many companies offer SIM cards that can be purchased and can include free incoming calls originating from anywhere in the world.
For more travel tips you can trust, visit www.bbb.org/us/bbb-news.
Tuesday, July 12, 2011
Let's Read! Let's Move! Promoting summer reading and tackling childhood obesity
Let’s Read! Let’s Move!
In an effort to combat childhood obesity and summer learning loss, the Department of Justice joined the U.S. Department of Education to address young audiences throughout the nation as part of the Let’s Read. Let’s Move. campaign.
Earlier today, Attorney General Eric Holder participated in the first Let’s Read. Let’s Move. summer enrichment event at the Department of Education’s Lyndon Baines Johnson building in Washington, D.C.
The Attorney General was joined by Secretary of Education, Arne Duncan; Miss America 2011, Teresa Scanlan; NBA Hall of Famer, Kareem Abdul-Jabbar; and a classroom full of local students as he read a selection from Dr. Seuss’ Oh! The Places You’ll Go!
This series of events, in conjunction with First Lady Michelle Obama’s Let’s Move! initiative, motivates young people to get and stay active, encourages summer learning outside of the classroom, and emphasizes the impact adults make when they take time to read to children.
Attorney General Holder’s book choice echoed the initiative’s call to reading, learning and active living:
Let’s Read. Let’s Move. is one part of the Obama Administration’s United We Serve summer service initiative, which encourages all Americans to make service and learning a daily priority.
Find opportunities to serve in your community at Serve.gov.
July 6th, 2011
Attorney General Eric Holder reads from Oh! The Places You'll Go. He is joined by Arne Duncan, the Secretary of Education and basketball legend, Kareem Abdul-Jabbar.
Earlier today, Attorney General Eric Holder participated in the first Let’s Read. Let’s Move. summer enrichment event at the Department of Education’s Lyndon Baines Johnson building in Washington, D.C.
The Attorney General was joined by Secretary of Education, Arne Duncan; Miss America 2011, Teresa Scanlan; NBA Hall of Famer, Kareem Abdul-Jabbar; and a classroom full of local students as he read a selection from Dr. Seuss’ Oh! The Places You’ll Go!
Students get active after story time.
Attorney General Holder’s book choice echoed the initiative’s call to reading, learning and active living:
Kid, you’ll move mountains! So…be your name Buxbaum or Bixby or Bray or Mordecai Ale Van Allen O’Shea, you’re off to Great Places! Today is your day! Your mountain is waiting. So…get on your way!”At the event Miss America 2011, Teresa Scanlan, led students through a number of activities, emphasizing the importance of an active and healthy lifestyle. Meanwhile the YMCA of Metropolitan Washington Physical, Healthy, Driven staff conducted games and the Target Corporation provided books and healthy snacks for those who were able to attend.
Miss America 2011, Teresa Scanlan, sits with students during story time.
Find opportunities to serve in your community at Serve.gov.
POSTED IN: Office of the Attorney General
Friday, July 8, 2011
Buyback Plans For Technology Products May Not Be Good Investments, BBB Advises
If having the latest cell phone, laptop or tablet computer is your goal, you may have listened with interest to some stores’ advertised promises to buy back your gadget so you can upgrade quickly.
The BBB advises consumers to investigate the offers carefully before signing up or paying a fee. The plans are basically a form of insurance that allows you to trade in a gadget in good condition toward another product. However, the value may be less than you expected or it may be hard to qualify for the buyback if you don’t follow specific directions as required in the plan.
The BBB offers the following tips for consumers who may be considering a buyback plan:
The BBB advises consumers to investigate the offers carefully before signing up or paying a fee. The plans are basically a form of insurance that allows you to trade in a gadget in good condition toward another product. However, the value may be less than you expected or it may be hard to qualify for the buyback if you don’t follow specific directions as required in the plan.“Consumers who have to have the most sophisticated gadgets as part of their job or their lifestyle may find value in these offers,” said Michelle L. Corey, BBB president and CEO. “But you have to balance the cost of the plans against what you may actually get back if your item isn’t in tip-top condition when you trade it in.”
The New York Times recently reported that many of these plans come with high price tags, and their value drops sharply if you don’t trade in the old item within a short period of time – often less than a year. It could take longer than that for the new version to arrive on store shelves.
The BBB offers the following tips for consumers who may be considering a buyback plan:
- Consider the buyback plan as a form of insurance. The plans basically guarantee a resale value, but that value can drop off sharply over time. The true value may be nominal and may be hard to define, so make sure you read the fine print.
- The plans have the retailer’s interest at heart. When you bring back your item, you usually will be issued a gift card good only at that retailer, essentially locking you in to that store for the next technology purchase. In some states, consumers also have found that they have to pay sales tax as many as three times – for the original purchase, when they return the item and again when they use the gift card.
- Buyback plans don’t work if you’re forgetful or disorganized. Many plans require you to return the original purchase receipt, power cords and manuals. If you don’t have them, you may not be able to get as much trade-in value for your gadget.
- Mobile phone contracts are excluded. You may be able to upgrade your cell phone with a buyback program, but you will still have a contract with the cell phone service provider who may bill you for the life of the contract. Find out whether the service contract can be transferred to a new phone.
- Erase any personal data before returning your gadget. To avoid identity theft, make sure that the memory of the gadget is wiped clean before you turn it in. Otherwise, computers and even cell phones can contain sensitive information that could be used to commit identity theft.
- Consider reselling gadgets elsewhere. Some consumers have found that they can get more out of their gadgets by reselling them than by trading them in. Online auction or classified ad sites may be a better way to get some value out of your gadgets.
BBB Advises Parents To Watch For Signs Of Child ID Theft
The first tell-tale sign that a child has been the victim of identity theft could be a credit card solicitation in the child’s name arriving in the mailbox, the BBB warns.
Identity thieves comb the Internet to find inactive Social Security numbers, many of them assigned to children. Companies sell the numbers under different names. Thieves then use the numbers to establish fake credit and rack up significant debts. The debts could mar a child’s credit record later in life. Creditors may try to collect the debts, too.“Identity theft is a serious problem for adults, but it’s even more frightening that it can affect young children,” said Michelle L. Corey, BBB president and CEO. “Parents should take precautions to ensure the safety of their child’s identity and credit.”
Last year, 8.1 million American adults became victims of ID theft, with losses totaling $37 billion, according to a report from Javelin Strategy and Research. While information on child ID theft is scarce, Debix, an ID theft monitoring company, checked records for 40,000 children and found that 4,000 records had been tainted. The BBB advises parents to be on the lookout for signs of child ID theft:
- Find out how to check your child’s credit report. Many reports for children under 13 are unavailable from the free credit report website, http://annualcreditreport.com/. The easiest way to check is to ask TransUnion, one of the three credit reporting agencies, for your child’s report. If there is no report, then odds are good that your child is in the clear. If not – or if you have other reasons to believe your child has been a victim – you should get reports from the other two bureaus, Experian and Equifax.
- Recognize signs of trouble. Calls for your children from collection agencies or letters offering them credit cards are common red flags that indicate a child’s identity may have been stolen.
- Know what to do if you suspect your child is a victim. Every parent should check his or her child’s credit report on the child’s 16th birthday. While it isn’t a good idea to check it too often, families should check reports in time to fix errors and remove fraudulent activity before their children apply for college and seek financial aid. If you find suspicious activity, contact all three credit bureaus and request a report immediately. If your state allows it, you can request that a credit freeze be placed on the child’s report immediately.
For more information on securing your identity or to check a company’s BBB Business Review, go tohttp://stlouis.bbb.org/
Tuesday, July 5, 2011
Is Retirement in Your Future? Advice from the Better Business Bureau
Having an alternate plan for retirement is becoming the norm today. With the changes in retirement rules and the fact that employees are cutting back on what they contribute to an employee’s retirement, consumers now realize they must take more personal responsibility for their retirement finances. In this economy, how do you go about making sure you will have the finances needed for a secure retirement?
According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits like 401(k) plans which allow for an immediate tax deduction growth on your savings.
“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”
BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:
A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.
Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.
Take advantage of your employer’s retirement savings plans. While more and more companies are becoming less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. There may even be a chance that your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an Individual Retirement Account (IRA); you can also contribute even more if you are 50 or older.
Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
For more financial tips you can trust, visit www.bbb.org/us/bbb-news.
According to the U.S. Department of Labor (USDOL), fewer than half of all Americans have calculated how much they will need to save for retirement. While it’s important to plan, it’s also important to set realistic, achievable goals. Know your options and ask questions. Set aside time to talk with your employer about retirement plans. Your employer may offer benefits like 401(k) plans which allow for an immediate tax deduction growth on your savings.
“While earlier generations of retirees relied on employer provided pensions, today’s workers will need to rely on their own work-related and personal savings for retirement,” said Stephen A. Cox, president and CEO of the Council of Better Business Bureaus. “That’s why it’s extremely important to have an alternate plan and save as much as possible.”
BBB and USDOL recommend that consumers consider the following to ensure a more financially comfortable retirement:
A penny earned is a penny saved. Start saving now and continue to stick to your savings goal, it’s never too late to start saving. Make a budget and use it! Saving can be fun if you think big and realize how much it will pay off when the times comes to retire.
Be realistic about your retirement needs. According to the USDOL, experts estimate that you will need about 70 percent of your preretirement income – lower earners, 90 percent or more – to maintain your standard of living when you stop working. The average retiree is in retirement for 20 years of their life. Plan ahead and familiarize yourself with how much you will need after factoring in Social Security and other sources of retirement income.
Take advantage of your employer’s retirement savings plans. While more and more companies are becoming less generous with retirement benefits, some still allow you to contribute to a 401(k) plan. If it’s offered, participate. There may even be a chance that your employer matches a percentage of your contribution. If your employer doesn’t offer a plan, consider investing in a traditional IRA or Roth IRA. You can put up to $5,000 a year into an Individual Retirement Account (IRA); you can also contribute even more if you are 50 or older.
Don’t stir the pot. Avoid touching your retirement savings if at all possible. If you withdraw your retirement savings now, you’ll lose principal and interest and you may lose tax benefits or have to pay withdrawal penalties. If you change jobs, leave your savings invested in your current retirement plan, or roll them over to an IRA or your new employer’s plan.
For more financial tips you can trust, visit www.bbb.org/us/bbb-news.
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