Unsecured Debt Loan

An unsecured debt loan is a type of loan that does not require a collateral. A borrower can use a line of credit without necessarily needing a personal property lien. However, an unsecured debt loan usually has a rate of interest that is higher than that of a secured loan.


Since there is no use of any asset as collateral, the borrower does not have to produce any property to secure the loan for lender and therefore, the lender does not have any means for a lien on the assets of the borrower if the loan is not repaid as agreed.

With an unsecured debt loan, if the repayments are not made, the lender and the borrower are free to re-negotiate the terms of the repayment. However, with unsecured debt loans the main downside to the borrower is they have higher interest rates than secured debt loans.

One of the advantages of an unsecured debt loan is since there is no property involved in processing the loan, the loan can be approved much faster. This saves time and moves the
loan transaction forward soon as the lender processes the loan with the borrower.

However, for you to get an unsecured debt loan, you must ensure that you are credit worthy since the lender will use your credit history to determine your credibility. This is because of the lender’s goal to lend money only to those who show a good indication to pay the loan back.

Therefore, for people who want to borrower but have a bad credit history, using an unsecured loan will be harder to get an application accepted. This, however, does not mean that if you have bad credit you will be denied an unsecured debt loan for sure.

Currently, there are many lenders who are willing to take on risk by lending their money to people that have bad credit. To these creditors, bad credit is not the only indicator of credibility.

Another advantage of an unsecured debt loan is that you have the ability of consolidating all your debts into one easy monthly payment. If you want to apply for this type of loan, you must have verifiable employment and a good credit score.

Your debt should also be low when compared to your income ratio. Most people that have debts choose companies that consolidate debt because they provide unsecured debt loans.

A representative of the debt consolidation company will assess your financial situation and your capacity to repay back the unsecured debt loan. The representative will then negotiate with the creditors to see if they can reduce the balance of your loan amount and the rates of interests available based on the market and your credit worthiness at the time of application.


An unsecured debt loan best fits a person that has no assets to offer as collateral and also has a poor credit rating. Even though you must realize that unsecured debt loans have higher interest rates than the secured type, the monthly installments paid can be low to fit your income level.

By promptly paying down on an unsecured debt loan, (keeping up with your payments) your bad credit rating can then begin to show improvement. Do not make the mistake that some borrowers believe since the unsecured debt loan is not tied to personal assets or property, that the lenders cannot take any legal action against them in case they default on the repayment of the loan.

However, if the borrower does not repay the loan as agreed, he or she can be taken to court where a judge will decide what type of action is to be taken whether you have acquired any assets during the load period or anytime after.

Debt Consolidation Loan

Your Guide To A Debt Consolidation Loan:


A debt consolidation loan is a loan that functions to consolidate several unsecured debts into one lower monthly payment. This loan is aimed for people who have a large amount of accumulated debts and they are no longer able to manage those debts. This loan is available in three choices: mortgages, secured loans and unsecured personal loans.

How this loan works is very simple. You only have to submit a loan application to bank or financial institution that offers this loan. After your loan application is approved by the bank, you can pay off all your current debts and start paying one lower monthly payment under debt consolidation scheme. Fortunately, almost all financial institutions and banks offer this loan so it won’t be difficult to get this loan.

Do I have to consider a debt consolidation loan?

Although this loan has been around for decades, people often do not realize when they have to take this loan. If you are frustrated with harsh phone calls from your creditors; if you are no longer able to repay your monthly payments; or if you want to replace your existing debts into one monthly payment, then you really need to consider this loan.

To qualify for this loan, you must have good income and good credit score. These two requirements are very important to convince your new creditor that you will be able to repay the monthly payment after paying your monthly expenses and bills. One thing to notice is that even though you have good income and good credit score, your loan application might be rejected by the bank if your accumulated debts are too low.

The Benefits Of A Debt Consolidation Loan

There are many benefits that you can get from getting this loan. The most important benefit is that this loan helps you to reduce your interest payments. Once your loan application is approved, you will see a significant reduction on the amount of monthly payment that you have to pay.

Another important benefit of this loan is that it can reduce your stress. Getting harsh phone calls from debt collectors is indeed irritating, which can significantly reduce your productivity. You can stop those harsh phone calls immediately by applying for a debt consolidation program.

This loan also helps you to have better control over your money. Since your existing debts are replaced with one lower monthly payment, you can make a more comprehensive financial budget. And, as long as you stick with your budget, chances are you can avoid experiencing financial problems in the future.

Tips To Find The Best Debt Consolidation Loan

Since there are many banks and financial institutions that offer this type of loan, it is highly recommended that you shop around with several reputable financial institutions until you find one company that offers a consolidation loan with the lowest interest rates. Keep in mind that some companies are open for interest rate negotiation, so you have to use this as an option to negotiate lower interest rates. A credit counselor could also be a great assistance in helping you get the best interest rate available for you when applying
for a debt consolidation loan.


Besides comparing the interest rates, you also have to compare fees that come with the consolidated loan offers. Stay away from companies that do not want to explain their fee structure.

It is also important to figure out the total monthly payment that you have to pay under the debt consolidation program. You have to make sure that the monthly payment of your debt consolidation loan is lower than the total amount of your current monthly payments.

Vital Relationship Advice For Women

While some people are loath to admit it, the differences between men and women go well beyond the physical. From how the two sexes view the world right down to their communication styles, the gaps that must be bridged are often wider than most couples realize.


That’s why relationship advice for women is so important. If you are looking for ways to better understand the man in your life and improve your interactions, following the right relationship advice for women can prove essential.

So, what do you need to know about the guy in your life to help increase the chance of success in your relationship? Whether your status as a couple is as solid as a rock or you’re concerned about the future, this relationship advice for women is well worth reviewing:

* Men communicate differently – This is perhaps the most important relationship advice for women that you need to know to better understand your man. Whereas women may like to discuss issues at length without trying to seek a solution, men tend to want to see results. If you have a problem with the man in your life, make sure to have a potential solution that is positive to bring up in the conversation. If you just want to “talk” about an issue that’s bothering you, be prepared for him to try and “fix it” if no solution is forthcoming from you.

* Men are action-oriented – While you might enjoy hearing that he loves you each and every day, men tend to respond better to actions. This relationship advice for women can help you better connect with the man in your life. To make sure he knows he’s valued and loved, show him. You can achieve this by doing things that show you care for him and value him as your partner.

* Men are often hesitant to share their feelings – This relationship advice for women can help head off a lot of disagreements. Although you may have a deep-seated need to share how you feel about a variety of topics, your man may not. He may prefer to show you he loves you rather than tell you, for example. He may hold emotions close to his chest and require patience and understanding before he brings them out in the open. Don’t see this as a flaw in him, necessarily. Men are often raised to keep emotions and feelings in check.


* To-do lists can get you farther than nagging – This relationship advice for women has been hard-learned by many. The man in your life may not necessarily be trying to drive you crazy by not taking out the trash, doing the dishes or picking up wet towels. His mind may simply be preoccupied at the time you ask. Many men, however, tend to respond very well to lists and often appreciate the reminder of what needs to be accomplished to keep a household running smoothly and in harmony. Take the time to acquiesce by writing a list and you may find serious bones of contention disappear.

The best relationship advice for women simply involves learning to recognize and understand the differences between the sexes, especially in regard to communication. When this is achieved, even rocky relationships fraught with discord can often be salvaged and put on stronger ground.

How to Attract Beautiful Women..

If you’re like most guys, you’ve probably seen a gorgeous woman and thought:

“If I knew how to attract beautiful women like her, all would be right with the world.”


Ah yes! The world is full of beautiful women. You see them every time you leave your house, and you probably even dream about them at night. And do you know what? Most of them are looking for a good man to share their life with. Most of them are frustrated that all the good men seem to be “taken.” All of those women LOVE sex! And like you, they’re looking for a good man who can fulfill their wildest fantasies in the bedroom.

And there’s no reason why the man they end up with can’t be you. All it takes is for you to get a hold of the rock solid secrets for how to attract beautiful women…

Secret #1: Know How to Flirt With Women

Plenty of men know how to get a girlfriend, but few men really know how to attract beautiful women. Why is this? Because the majority of the male population has no idea how to flirt with women. Sure, they can strike up a conversation with her, and perhaps even ask her out on a date. But even men who have the skills and the guts to do this still get shot down constantly.

If you want to make sure that you are not one of these unfortunate dudes, you have to know how to flirt with women the RIGHT way. A few simple rules to flirting with hot women are: know when to move ahead and know when to pull back, know how to withhold a kiss or even physical contact until she is aching for it, not being afraid to touch her and enter her space.


Learn to use these, and you’ll set yourself apart from the majority of men who don’t know how to get a girlfriend that they really want. Instead, they are forced to settle for what’s left over when the alpha males are done choosing. If you learn how to attract beautiful women by creating red hot attraction with flirting, you’ll be the alpha male that every other man is so envious of…

Secret #2: Be a Man of High Social Value

Do you know why most men don’t understand how to attract beautiful women? Because they’re too focused on “getting the woman” instead of presenting themselves a man of value. Let’s be honest, beautiful women aren’t going to fall all over and a man who has low social value, they have too many men competing for their attention.

So what’s your social value? When you go out, are you all by yourself or are you surrounded by friends? Do the women you meet see you as a man who has lots of options in his life as far as dating goes? If not, it’s time for you to begin increasing the size of your social circle or at least making sure that the woman you are interested in sees that you’re someone who is well-liked by others and desired by women.

You can bet that if beautiful women see you as this kind of man, they’ll consider you to be worth their time. Of course, there are other secrets and strategies to learn, but these are two that you can start with. With a little practice and persistence you’ll develop the skills which will help you understand how to attract beautiful women.

How to Get Rid of Love Handles… for good!

How to Get Rid of Love Handles

“Love handles” is a cute name for a serious problem: fatty deposits on the back and sides of the waist. They’re not just unsightly, they’re unhealthy, too. Fortunately, you can get rid of love handles once and for all by making some small changes to your lifestyle.


Lose Fat All Over
Love handles are a sign of excess abdominal fat. This is a stubborn and dangerous type of fat that can lead to metabolic disorders and even serious heart disease. Reducing the fat around your waistline can decrease your chance of becoming diabetic or suffering a heart attack.

If you’ve considered targeting your abdominal fat and nothing else, don’t bother; there’s no such thing as spot reduction. If there were, none of us would have problem areas and we would all be perfectly proportioned! But in reality, if you want to get rid of love handles, you have to get rid of fat everywhere else, too.
Cardio exercise will help you burn fat faster. Strength training will increase your lean muscle mass, which in turn will make you burn calories faster. Eating at a slight calorie deficit will keep you from storing extra calories as fat. The best way to get rid of love handles is to do all three.
Build Stronger Obliques

The obliques are the muscles that run down both sides of your abdomen. They frame the group of muscles commonly called the 6-pack. Obliques give us the strength to twist and turn when we need to. Unfortunately, they are sometimes hidden by love handles.
Building stronger obliques will help you burn more calories, and will give you tight abdominal muscles to show off after the love handles are gone.

You can get rid of love handles faster by doing exercises that were found by the American Council on Exercise to be the very best ones for working your obliques: Bicycle crunches, captain’s chair leg raises, and vertical leg crunches.

Bicycle crunches involve lying down on your back and doing crunch-twists while pedaling your legs as if you were riding a bicycle. Captain’s chair leg raises require the use of a captain’s chair, which is a common fixture in most gyms. Vertical leg crunches are performed like regular crunches, but with your legs raised perpendicular to the ground.
Do a search for these exercises to find helpful step-by-step guides with photos.
Eat Fat-Burning Foods
Some foods, especially those high in sugar and sodium, add inches to the waistline. To get rid of love handles, you’ll need to eat more foods that fight belly fat. Doctors recommend heart-healthy fats, like those found in olive oil, nuts, and salmon; 3 servings of calcium from green, leafy vegetables or dairy products; and plenty of fiber from fruits, vegetables, and whole grains.
These foods are digested slowly, so they leave you feeling satisfied longer. Add some green tea to your diet for an extra fat-burning boost. Three cups a day will speed up your metabolism and ward off diseases.
Check Your Clothes
One last quick and dirty trick to get rid of love handles: Make sure your clothes fit properly. Tight clothing can create the illusion of love handles, even on thin folks. If you’ve worked hard to lose your love handles, don’t ruin the effect by squeezing into jeans that leave you overflowing!

Just Why Is Losing Weight So Hard?

We all know that maintaining a healthy weight is crucial to good overall health. Why, then, is it so hard to lose the extra pounds we pack on? (After all, gaining them is easy enough!)


Personal responsibility plays a part, but you might be surprised by some of the everyday factors that can sabotage your weight loss efforts.

Reason 1: Finding the right diet can be tricky.

While the American Heart Association recommends a diet low in fat, many dieters find themselves missing the natural satiety that fats bring. Carbohydrates are another controversial issue.

Some dieters find that consuming a high amount of carbohydrates only makes them crave more. On the other hand, low-carb diets can leave some people feeling lethargic and even depressed.

Dr. Frank Sacks and associates from the Harvard School of Public Health recently concluded a study that compared four types of diets: high carb, high fat, high protein, and low fat. Their finding? According to Sacks, “No one of those diets are necessarily better than any other diet.”

The bottom line is this: Expending more calories than you consume will result in weight loss, regardless of which food groups you take those calories from. However, for optimal health, you should choose a balanced diet that you can comfortably live with for the rest of your life.

Reason 2: The media sends mixed messages about diet and health.

Women magazines are notorious for running stories about the latest trend in quick weight loss, just opposite a mouth-watering photo of a decadent triple-fudge cake. What message are they trying to send?

That’s not the only way the media sends mixed signals about our health. Have you ever been confused by the sheer number of weight loss studies in the news, many of which seem to come to contradictory conclusions?

If so, you’re not alone. With so much information, it’s nearly impossible to know which advice to follow. The problem with a lot of the studies you read about is that they are sensationalized by the media.

For example, a recent study suggested that some women over 50 might need to exercise more than 30 minutes a day in order to counteract their naturally slowing metabolisms. The headline for this study screamed, “Women Must Exercise One Hour a Day to Avoid Gaining Weight!” Not only was this headline demoralizing, it was inaccurate.

The best policy is to turn a deaf ear to the fads and sensationalism, and trust the advice you receive from your doctor and other trusted experts.

Reason 3: The food industry sets you up to fail.


With so many of us leading busy lifestyles, it’s no wonder we sometimes dine out for convenience. However, fast food chains and restaurants are dangerous territory for dieters.

Most fast food is high in fat and sodium while being relatively devoid of real nutrients. This results in lots of empty calories that leave our bodies malnourished even as our weight and blood pressure rise.

The unfortunate truth is that fats and sugars have a real impact on the chemistry of the human brain. These “comfort foods” can quickly become addictive.

Add flavor-enhancers like MSG to the mix, along with the largest portion sizes in human history, and you have a recipe for dietary disaster.

The obvious solution is to cook your own meals from whole foods, consuming as little processed food as possible. If you must eat out, choose smaller portion sizes. Some diners have half of their entrees boxed up before they even begin to eat.

Others order kids’ meals instead of the unhealthy adult portions offered by fast food chains. As an added benefit, kids’ meals often come with healthier side options like fresh fruit instead of french fries.

Reason 4: Well-meaning family and friends can do more harm than good.

Our loved ones mean well, but they do us no favors when they insist we have “just one more bite”. They hate to see us feeling deprived, so they enable us when we have the urge to eat unhealthy foods. Or they help us rationalize our poor choices by pointing out that we “deserve” a little treat; that “just this once won’t hurt”.

It’s hard to maintain your steadfastness in the face of such temptation. The best approach is to have an earnest talk with your loved ones. Let them know that you appreciate their concern, but that you need their support far more than you need a second helping of pie.

Schedule occasional “cheat days”, such as special occasions like birthdays, when you will permit yourself a little indulgence. That way, your family and friends will know when to offer you treats, and when to keep silent.

Reason 5: Making and breaking habits is hard work.

Finally, it takes time and effort to get into healthier habits. When you first start your weight loss journey, it might feel like an uphill battle as you contend with years of unhealthy behavior.

Start by making small changes. Instead of watching TV after dinner, record your favorite shows and go for a walk. Replace some high-fat foods with their lower-fat equivalents. Over time, you will get used to these changes and be able to make more without jeopardizing your weight loss effort.

Many diets fail because dieters make too many drastic changes too quickly, then decide they can’t live with the new program. Remember, these are sustained changes, not quick fixes. Feel free to ease into a healthier lifestyle so that it will last a lifetime.



So How Much Should You Exercise?

When paired with a healthy diet, exercise is a crucial part of a successful weight loss regimen.


In fact, though diet is important, some experts believe that exercise is even more important when it comes to losing weight and warding off disease.

So how much should a person exercise each day? Health benefits can be achieved with 20 to 30 minutes of low-impact cardio exercise, five times a week.

But while some people exercise to lose weight, others simply want to improve their health and keep their joints flexible. Others want to get in peak condition for sports.

In short, the amount of daily exercise you need depends on what your goals are.


Exercising for health.

Experts agree that just thirty minutes of low or medium impact aerobics five times a week is all that’s needed to reduce the risk of certain diseases and promote longevity.

This can easily be obtained by going for walks after dinner, working in your garden several times a week, or riding a bicycle instead of driving your car for some of your daily errands.

If you’re new to exercise, it’s okay to start slow. Studies have shown that your body will benefit even if you have to break up the thirty minutes into smaller chunks throughout the day.

The key is to get your heart rate up to a level that will strengthen your cardiovascular system.

A good rate is 50 – 70% of your maximum heart rate. As a general rule, you can determine your maximum heart rate by subtracting your age from 220.

For example, a 40 year old would have a maximum heart rate of 180. They would get the most benefit from maintaining a heart rate of 90 – 126 while exercising.

Exercising for weight loss.

If you’re exercising to lose weight, you might have to step up your daily activity to 45 minutes or even an hour.

An example of a good weight loss routine would be 30 minutes of moderate-intensity cardio, like speed-walking or using a cross-trainer at the gym.

That would be followed by 15 – 30 minutes of strength-training. When you do strength-training, be sure to work different muscle groups each day so that each muscle group has time to recover before you push it again.

Use lower weights and more reps to develop lean, toned muscles. Use higher weights and fewer reps to build bulkier muscles.

Exercising for extreme fitness.


Some people train for two or more hours each day. These are typically experienced athletes who are already in good condition, but who want to shape their bodies into peak performance machines.

This level of training is usually done for a few months leading up to an athletic event. After the event, the athlete returns to a more normal workout routine.

Before you start an extreme fitness regimen, speak with your doctor to make sure there are no underlying health concerns that could be made worse by such a routine.

Also, extreme fitness regimens are typically a combination of cardio and strength-building exercises.

When you’re starting out, get guidance from a trainer or someone else who has experience with the program to make sure you maintain proper form and minimize the risk of injury.

Exercising for older adults.

It’s important to stay active at any age. Older adults (65+) can benefit greatly from regular exercise.

The US Department of Health & Human Services advises older adults to get 2.5 to 5 hours of moderate to vigorous exercise each week.

If health conditions make this difficult, the person should get as much exercise as possible.

Muscle-building exercises are helpful for older adults, as are exercises which improve flexibility and balance, such as yoga.

Online Dating Tips

Online Dating Tips


Okay, here’s a straight up question for you: how many times have you gotten fed up and given up on the cheesy online dating tips for men like: “have a good profile, mention something from her profile, ask her something that she can reply to…blah, blah, blah…”

Did you know that over 90% of men give up on online dating with the first three months because of lack of results? So if you feel that you’re clueless on how to get a girlfriend online, it might comfort you to know that MOST men are feeling this way.

But, you’re probably still wondering if there are any online dating tips that you can actually count on to get the results. Here are three you can start using right away…

Don’t Date Online

Gasp! Okay, here you are wondering how to get a girlfriend by online dating, and I’m telling you not to do it. Well… not exactly. You see, online dating is a great way to MEET women, but if you want to know how to get a girlfriend and build a meaningful relationship…you have to get the interaction off-line as soon as possible.

Most online dating tips simply tell you how to get someone to respond to your e-mail and how to communicate by email. But have you ever built a great relationship by e-mail or phone and found that there was nothing there in person? What a waste of time!

Not to mention that there are actually women who post inaccurate pictures or who want to chat online, but will flake out when it comes to meeting in person. So don’t waste your time dating online, simply use it as a place to meet her and get to know her the old fashioned way…

Timing Counts…a Lot

This is probably one of the most valuable online dating tips for men that you’ll ever learn: send all of your e-mails on Saturday and Sunday morning. Sure, timing isn’t that big of a deal for a man because we are actions and results oriented. But women are a completely different story. They’re all about the process by which a man meets, pursues and seduces them.


Most women dating online get a LOT of emails, and they’re too busy to answer them during the week… not to mention that they’re distracted. But most single women go out on Friday and Saturday nights hoping to meet a man. When they don’t, they get up frustrated and check their emails to see what their options are…and there’s your email…how convenient!

And your final online dating tip…

The Long and Short of Emailing

Three basic tools of e-mailing women on dating sites: less than 100 words (too much and she either won’t read it will think that you have nothing better to do with your time), send a follow up if she doesn’t email back (persistence pays off), and position yourself as a man of value.

Now in relation to this last rule, the key is to show an equal amount of interest and disinterest. In other words, it’s not that big of a deal if she doesn’t write you back. This might sound counterproductive, but if a woman perceives that you aren’t desperate to hear from her she’ll automatically assume that you have a higher social value than most of the men contacting her.


So get back in the game, and put these to work right away.

With these online dating tips in your tool box, you’ll have an unfair advantage over the other chumps out there, and more quality women in your life… and you don’t even have to leave your house to meet them.