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Finance > CreditSome Common Loans Jargon Explained
Posted by nick_niesen in Finance on November 8th nike shoes clearance sale , 2010


The world of personal finance can sometimes seem to have a language all of its own, and it can be difficult to seperate the wheat from the chaff when comparing products such as loans. With all things financial, it's vital to have a good understanding of what you're agreeing to before you sign on the dotted line, and so here we explain some of the most common terms you're likely to come across in loan advertisements nike shoes clearance , application forms, and credit agreements.


- APR


This stands for Annual Perentage Rate, and is basically the cost of the loan. As well taking into account the interest rate you pay, it includes any fees or charges you need to pay. For example http://www.saleshoesclearance.com/ , if two loan packages have identical interest rates, but one charges a setting up fee, then that loan will have a higher APR.


- Sub Prime


This is the industry term for applications from people with less than perfect credit ratings. Sub Prime credit is also referred to as adverse credit, and people with poor credit ratings may struggle to get an approval authentic wholesale nike shoes sale , and even then they're almost certain to be charged a higher rate of interest.


- Advance


This is simply the financial services industry's word for the amount you borrow.


- Term


The term of a loan is the length of time you agree to repay the debt over. Agreeing a longer term for your finance may result in a lower monthly repayment, but as you're paying interest for a longer period then overall a longer term will usually mean more interest paid overall.


- Collateral or Security


For a secured loan, home loan or mortgage, you'll be borrowing money against the value of your home. Your home is then known as the collateral or security on the loan. If you fail to keep up your repayments nike shoes sale online , then the lender can sieze your property, sell it, and use the proceeds to clear the debt. Having this option means that there is less risk for the loan company, and so loans with collateral can be advanced to people with poorer credit ratings nike shoes clearance online , and the amounts borrowed can be larger.


- LTV


LTV stands for 'Loan To Value' and is a measure of how large a loan is in comparison to the value of the collateral it's secured on. It is given as a percentage, so a loan of $80,000 secured on a property worth $100,000 would have an LTV of 80%. Lenders like to have a relatively low LTV as this means that if they need to sell a property because of a default on the loan nike shoes china factory , then they're very likely to receive enough funds to clear the debt, even if they sell at below market value.


- HLC


HLC is an abbreviation of Higher Lending Charge, which is a fee sometimes levied on loans with a high Loan to Value (LTV) ratio. HLCs are normally only imposed when you're borrowing more than 90% of the value of the security, and it should always be made very clear to you before you sign a loan agreement if one of these charges is to be made.

Games > Game Genres > Gambling > Online CasinoCreate a casino at home with online casinos

Posted by adairsawyer in Games on July 22nd nike shoes china wholesale , 2011


Ever thought of creating your casino right at your home? It is very possible now if you have a computer with Internet at home. Forget Las Vegas and Atlantic City. Who wants to travel all across the country when you can enjoy the same games sitting at home? With online casinos gambling has taken a new turn altogether. More and more avid gamblers are now exploring the options in online gambling and they are reaping the benefits of what these websites are offering to them.


Some people argue that online casinos can never match the hustle-bustle and excitement of an actual casino. Yes, this is true. Land based casinos have that electric atmosphere that you will miss when you gamble online. But then, this is an option for you. It is not possible to visit land based casinos every time you feel like gambling. What do you do then? Do you wait for the second weekend of the next month when you have planned to go to Las Vegas or Atlantic City or some other place to gamble? You can easily play your favorite games sitting at home because the online casinos are on 24 hours a day.


How do these online casinos work? Well, it is very simple really. All you have to do is go to your search engine and find out some of the best online casinos. Go to the website of one of them and register. Some of the online casinos require you to make an initial deposit and some don’t but most of them give you a joining bonus that you can use for gameplay. Once you become a registered member by verifying your age cheap nike shoes clearance , they help you set up your account through which you can make and receive payments. Now you will find all the games listed on the website. Simply follow the link to your favorite game and start playing.


Online casinos are of two types. The first type of online casino is one where you can play directly online. There is no need to download anything. Buy online chips or use your joining bonus and join other players on the table. The second type of online casino is one where you need to download their software. You connect with the casino using this software and engage in gameplay.


The advantages of online casinos are many. First of all, you get the same games online that you get in the best of land based casinos. Secondly, you can play at home or through your mobile phone when you are on the move. Third – the payout is quite good and very timely. And of course, you have these attractive promotions being offered every now and then that makes gambling all the more attractive.


So the next time you don’t have the time to visit your favorite casino don’t sit and brood about it. Log on to the Internet and visit one of the online casinos. The experience is going to be mind blowing and you will definitely come back for more.


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