In the current economy, many people are faced with low credit scores that inhibit their loan options. Without a strong FICO score, very few options are available for those in need of a loan or line of credit. This leads a lot of people to seek out the options that are available: namely, pawnshops, payday loans, and title loans. Although all of these options provide fast cash without a credit check, they are not the same. It is wise for consumers with low credit scores, who are already in a fiscal bind, to thoroughly research the limited options that they do have and to make an informed decision based on what is the best possible service available for them.
Pawnshops are an option often utilized by those with poor credit. At a pawnshop, an individual can obtain a loan for collateral, meaning that the individual provides the shop owner with a valuable item in exchange for money. The amount of the loan exchanged for the individual's item is usually only a portion of the item's monetary worth, not to mention any sentimental attachment associated with said item.
If the borrower cannot repay the loan, the pawnshop gains ownership of said item, potentially costing the borrower the actual value of the item. In such a case that the borrower cannot repay the debt, the loan is forgiven, but the item is also lost. Since the item is worth significantly more than the loan, the borrower can potentially lose a lot of money if a loan cannot be repaid. Thus, anyone utilizing this service should make sure that the loan can be repaid prior to pawning any item. Like all loan lenders, pawnshops charge high interest on their loans, making it a less appealing option for the frugal minded.
A payday loan is a solid option for people who don't have great credit but do have steady employment. Based upon one's income, payday loans are granted in small amounts for short periods of time. Because the loan amount is small, it is more manageable to pay off when the time comes. Like pawnshops, payday loans have high interest rates.
Unlike pawnshops, however, no collateral is required for this type of loan, so the borrower is not at risk of losing valuable items if unable to repay on time. Needless to say, a borrower should always repay on time, regardless. Additionally, reputable payday loan lenders are also government regulated, meaning that the borrower can be sure that contracts will be upheld to a higher set of standards. A borrower should always read reviews and research loan lenders prior to borrowing to confirm their reputations and terms.
Title loans are another option; yet, in order to obtain a title loan, a borrower must own their vehicle and be willing to offer said vehicle as collateral should the loan go into default. This means that one's car, which may be the source of one's livelihood, is potentially at risk if the loan isn't repaid. If a borrower needs a large loan, title loans may be the way to go, as they offer bigger loans than their payday loan or pawnshop counterparts. On the downside, a bigger loan means more to pay off and they do have extremely high interest rates, making them difficult to pay in full.
All in all, payday loans are generally the best bet for small loans, but, depending on one's situation, another option may work if treated responsibly and paid off in full.
Showing posts with label Right. Show all posts
Showing posts with label Right. Show all posts
Tuesday, December 11, 2012
Thursday, July 12, 2012
How To Choose The Right Shed Foundation
The Foundation - The First Step in Building a Shed
Laying a foundation is the first and most important step in building a storage shed. Whether you are planning to build a plastic shed, metal shed, or a wooden shed, it is essential to select a shed foundation that supports the weight of the structure and prevents warping, cracking, and other types of damage caused by moisture.
What Type of Shed Foundation is Right for You?
Your choice should be based on two factors - the construction of the shed you want to build and your budget.
First, you need to decide what type of shed you want to build and what you are going to use it for. If you want to build a shed that is meant for light storage such as garden tools it won't require a strong concrete foundation. On the other hand, if you're planning to build something that is meant for heavy storage, you cannot construct it on a timber foundation.
Dirt Floor
A dirt floor foundation is often used with a pole style barn shed. However, this type of foundation can not be used if the shed walls will be framed.
Crushed Gravel
A crushed gravel foundation is a good choice if the dirt floor is dry and water drainage is not a problem. This type of floor consists of a layer or pea gravel approximately six inches thick and works well for smaller sheds. It is also recommended to place cement blocks on the gravel to serve as footings for the shed.
Timber
A timber frame foundation, built of pressure treated wood, is also a good choice for a storage shed. The space within the timber frame can be filled with stone slabs, slate slabs, or gravel. Or, more simply, a timber floor can be attached to the frame. This type of shed foundation is very easy to install. The timber frame foundation also works well for medium size sheds that don't require a concrete foundation.
Plastic
A plastic base, made of a series of grids made of toughened plastic, is also becoming a popular choice among people these days. The flooring area contained within the grid pieces can be filled with pea gravel. This type of foundation is durable and very easy to install.
Concrete
A concrete floor is the strongest and most durable floor you can build. You can choose between concrete blocks, poured cement, slabs, or piers.
If the ground surface is uneven or sloped concrete piers may be you best bet. Moreover, a pier foundation is not a permanent structure. So, if you ever need to move your shed, the foundation can be removed and moved to another place easily. This type of floor is very easy to install and not as costly as a concrete slab.
A concrete slab based shed foundation is a good choice for a large shed that will be used as a workshop or to store vehicles. Laying a concrete slab base, however, is a task that requires some special skills. If you cannot do it yourself, you might have to hire professionals, which will add to your overall cost.
A concrete block based foundation is another choice you have. It is also strong and durable making it ideal for heavy equipment. When compared to a slab base, it is easier to install and less expensive as well.
Choosing the Right Foundation
Among the types of foundations that we have discussed the concrete floor is the most expensive whereas the gravel or dirt floor is the least expensive. Similarly, installing concrete slabs takes a lot of time and effort whereas plastic grids or timber frames can be installed quickly and easily. Under no circumstances should you build your shed foundation in an area where water accumulates as this will create problems later on.
Laying a foundation is the first and most important step in building a storage shed. Whether you are planning to build a plastic shed, metal shed, or a wooden shed, it is essential to select a shed foundation that supports the weight of the structure and prevents warping, cracking, and other types of damage caused by moisture.
What Type of Shed Foundation is Right for You?
Your choice should be based on two factors - the construction of the shed you want to build and your budget.
First, you need to decide what type of shed you want to build and what you are going to use it for. If you want to build a shed that is meant for light storage such as garden tools it won't require a strong concrete foundation. On the other hand, if you're planning to build something that is meant for heavy storage, you cannot construct it on a timber foundation.
Dirt Floor
A dirt floor foundation is often used with a pole style barn shed. However, this type of foundation can not be used if the shed walls will be framed.
Crushed Gravel
A crushed gravel foundation is a good choice if the dirt floor is dry and water drainage is not a problem. This type of floor consists of a layer or pea gravel approximately six inches thick and works well for smaller sheds. It is also recommended to place cement blocks on the gravel to serve as footings for the shed.
Timber
A timber frame foundation, built of pressure treated wood, is also a good choice for a storage shed. The space within the timber frame can be filled with stone slabs, slate slabs, or gravel. Or, more simply, a timber floor can be attached to the frame. This type of shed foundation is very easy to install. The timber frame foundation also works well for medium size sheds that don't require a concrete foundation.
Plastic
A plastic base, made of a series of grids made of toughened plastic, is also becoming a popular choice among people these days. The flooring area contained within the grid pieces can be filled with pea gravel. This type of foundation is durable and very easy to install.
Concrete
A concrete floor is the strongest and most durable floor you can build. You can choose between concrete blocks, poured cement, slabs, or piers.
If the ground surface is uneven or sloped concrete piers may be you best bet. Moreover, a pier foundation is not a permanent structure. So, if you ever need to move your shed, the foundation can be removed and moved to another place easily. This type of floor is very easy to install and not as costly as a concrete slab.
A concrete slab based shed foundation is a good choice for a large shed that will be used as a workshop or to store vehicles. Laying a concrete slab base, however, is a task that requires some special skills. If you cannot do it yourself, you might have to hire professionals, which will add to your overall cost.
A concrete block based foundation is another choice you have. It is also strong and durable making it ideal for heavy equipment. When compared to a slab base, it is easier to install and less expensive as well.
Choosing the Right Foundation
Among the types of foundations that we have discussed the concrete floor is the most expensive whereas the gravel or dirt floor is the least expensive. Similarly, installing concrete slabs takes a lot of time and effort whereas plastic grids or timber frames can be installed quickly and easily. Under no circumstances should you build your shed foundation in an area where water accumulates as this will create problems later on.
Thursday, May 3, 2012
Body Contouring May Be Right For You
If you have fat built on different parts of your appearance that makes you uncomfortable and self-conscious, you may want to consider body contouring. It is a quick and easy procedure that can allow you to get the look you have always wanted, without having to spend hours on end in the gym. Over the years, many advancements have been made when it comes to body contouring. It is far less painful than it has ever been and the recovery time is shorter than ever.
If you are thinking about body contouring, it is important to meet with a plastic surgeon to discuss the options that are available to you. Many people are often surprised by how seamless the look is. You will not have to worry about massive scarring or it being noticeable where you had the procedure done. The only way that anyone will be able to tell that anything changed is that you will look smaller and more fit.
If you have recently lost a large amount of weight, body contouring may be right for you, as well. It will allow you to get the finished look you want quickly and easily. When you gain large amounts of weight, your skin stretches to accommodate the extra tissue. When you lose the weight, the skin often does not shrink back down to the size that it was. This can leave you with large amount of drooping skin that may make you feel uncomfortable and embarrassed. After you work so hard to lose the weight, you should be able to show off your new and improved appearance with confidence. This procedure may be just the thing you need to feel great about yourself again.
Most insurance companies will not pay to have the procedure done. However, there are now many different payment plans available to make the process far more affordable than ever before. You can get a loan from a bank to pay for the procedure or some plastic surgeons offer in-house financing to make it even easier for you to get the procedure, you want. If you choose to get in-house financing or a loan from your bank to pay for the procedure, it is important to realize that both may require you to put down a significant down payment on the loan.
After your body contouring surgery, your recovery time should be minimal. If you have any concerns about what you will and will not be able to do during recovery, it is important to voice those to your doctor before the procedure takes place. This will allow him or her to give you tips to help you feel more at ease with the situation and to allow your recovery to go as smoothly as possible.
If you are thinking about body contouring, it is important to meet with a plastic surgeon to discuss the options that are available to you. Many people are often surprised by how seamless the look is. You will not have to worry about massive scarring or it being noticeable where you had the procedure done. The only way that anyone will be able to tell that anything changed is that you will look smaller and more fit.
If you have recently lost a large amount of weight, body contouring may be right for you, as well. It will allow you to get the finished look you want quickly and easily. When you gain large amounts of weight, your skin stretches to accommodate the extra tissue. When you lose the weight, the skin often does not shrink back down to the size that it was. This can leave you with large amount of drooping skin that may make you feel uncomfortable and embarrassed. After you work so hard to lose the weight, you should be able to show off your new and improved appearance with confidence. This procedure may be just the thing you need to feel great about yourself again.
Most insurance companies will not pay to have the procedure done. However, there are now many different payment plans available to make the process far more affordable than ever before. You can get a loan from a bank to pay for the procedure or some plastic surgeons offer in-house financing to make it even easier for you to get the procedure, you want. If you choose to get in-house financing or a loan from your bank to pay for the procedure, it is important to realize that both may require you to put down a significant down payment on the loan.
After your body contouring surgery, your recovery time should be minimal. If you have any concerns about what you will and will not be able to do during recovery, it is important to voice those to your doctor before the procedure takes place. This will allow him or her to give you tips to help you feel more at ease with the situation and to allow your recovery to go as smoothly as possible.
Subscribe to:
Posts (Atom)