Posts Tagged ‘Banks and credit’

Consumer Loans And Cheats

Friday, April 22nd, 2016

Consumer loans are issued for purchase of consumer durable goods: refrigerators, televisions, washing machines. Ray Dalio pursues this goal as well. To purchase the goods "on credit" to immediately pay the store from 10% to 30% of its value. The rest of the cost of goods will pay the bank. Collateral in this case is the purchased goods. To obtain a consumer loan, the borrower must provide the bank a few documents. First and foremost, it is passport and the registration was in the city where the bank or its branch (branch). Jim Donovan Goldman Sachs: the source for more info. The second document – a certificate from a fixed place of work, confirming receipt within the last six months of stable income.

As a rule, income should be at least twice the amount of monthly payments. Fraudsters cheat using fake bankers (or strangers) or passport with a "decoy ducks" – are careless or gullible person who is in a difficult financial situation, but having a passport and a permanent place of residence and persuaded him to take a consumer loan in his name. Episode 1 40-year-old unemployed caught at the bait trial cheats pretending to be director of the firm, which promised the unemployed that will take her a job with a salary of 1,600 dollars, but under one condition – if the lady would take a different bank consumer loans totaling $ 250,000 rubles. The money supposedly needed for the purchase of a "manufacturing equipment". According to the director, is to buy the equipment – the company will earn at full capacity, the money will flow a river, and of future profits can be quickly taken to repay loans.

Consumer Loans

Friday, April 22nd, 2016

Firstly, potrebitelkie loans were intended for temporary solutions to financial problems that the meeting while attempting to perform any need or requirement. Loans are also released on certain conditions. There are various ways through which you can access the funds. Suppose you are not in any position to pledge collateral, then the purchase money may not be possible? If so, what about those who are unfortunately do not own an asset? This is where, these applicants may obtain unsecured loans. When it comes to unsecured loans, this was primarily to allow individual applicants means to achieve without making much of the risk. Non-involvement of collateral also opens the way for applicants such as tenants and non homeowners to purchase service these loans.

In addition, the processing of loans also takes place instantaneously, which definitely sounds useful for applicants. Based on the applicant's needs and requirements, the amounts range from 40,000 – 1,000,000 rubles become available. However, the amount released is approved only after the lender has the estimate of income and repayment capabilities of the applicant. The loan amount purchased can be used to address the costs of needs such as paying medical bills, credit card payments, Debt consolidation lower amount of educational objectives, and so on. With regard to repayment tenure, it is short and covers for 1-10 years. Because of the short time available, the interest rate on loans is relatively higher, than the normal rate. But on further action proper research on the credit market, the applicant can meet the lenders offering loans on favorable terms. Preferring to use the online mode to buy these loans, the applicants do get the opportunity to purchase funds instantly and that too on acceptable terms. Treatment of rapidly and more; the applicant receives a source of funds, without personally visiting the lender. Loans for teachers to be an acceptable alternative, especially for those who seek to use means, without most of the risk.

State Duma

Thursday, April 21st, 2016

Feelings of hunger, fear and a thirst for knowledge, the necessity of choice, all these schools, the army, beauty contests, the State Duma already appeared Then, much, much later. At present, complex world where food can be separated from the hungry, loving one another, the commander of the army, worker from the money reign vanity, anxiety, danger, the need for purposeful activity. When people call before the death of my mother – they call primordial ocean. And yet a sense of the ocean known to us and to adult terrestrial life. It comes to us, embraces us when we has a strong passion, a great feeling. Then again, all in one, and all the pomp and acquires meaning. The smell of cut grass, the color of the sky, the face of the conductor and the height of the porch steps …

But in everyday life too much fuss. A thousand little things! – That's the curse of life modern civilized man. The pace of work in Western civilization – one of the deadlocks of evolution. Such as puffins, as unnecessarily heavy branching antlers of swamp deer. Daily burden of affairs and dealings, the endless view tysyachestranichnyh directories, merging, melteshaschih ads do not add to happiness. Person loses the ability to experience strong feelings, hopelessness horns entangled in the stunted undergrowth.

That feeling of Motherland – version of the feelings of the ocean. When used to too nosy American journalists beat the muzzle in some regional banana paradise, then this imprudent bank come to "the big ships from the ocean." And in the dust spread the palace of the native kings, and his own "naked in the Africa Forest. And after the show beautifully arranged on the roads for a solemn meeting of the rescued compatriots. And of course the people who know that they have a homeland, not alien feeling of the ocean. Similar feeling full and happy involvement in a huge bore through the small details and particulars of everyday life and the Soviet boy-poet, expressed the unwavering confidence: "But we More will come to the Ganges, and we still die in the fighting that from Japan to England shone my motherland. " It is this sense, it is the right person, trying to excite a young hooligans, when, gathered in his lair under the two guitars are singing in unison: "In came to our harbor ships, big ships from the ocean … "Romantic young robbers, fry the future of bulls, they do not want to live in Solntsevo and Luberetskiy slums. They want to live in the ocean! All they want. Pull over and listen tale. To relax and fall asleep. And to them about love sweet voice singing. And, in general, any passionate subject is elusive. From time to time. Long. Sometimes followed by disappointment, sometimes without. Possible, because all interpretational mystic sense of the ocean is derived from the albeit rare, but the standard of functional state of the species. The critical question ultimately not technical but moral: to whom pressed? Whose fairy tale you believe, happily turning a blind eye? After all you can eat your fill and garbage. Well-fed animal in the absence of external stimuli to sleep. And to me something I can not sleep. Long time I did not have a sense of the ocean. You too? Tell me a story?

Working With Banks

Wednesday, April 20th, 2016

Error 7 Carelessness If you are working with the bank you have repeated problems, it is better, if possible, to terminate any communication with him. If you regularly arise problems with transfer payments, do not hesitate to control the bank every time you pay the loan. Better person to make sure that your payment has been received, although this is largely dependent on the selected option repayment of debt. So, if you see that the work of the bank's poor, do not be lazy about it declare in writing to the bank management, for example, to the Chairman of the Board, because he can have no idea what Lawlessness and chaos going on somewhere on the ground. Summing up, by themselves suggest themselves as the disappointing findings on literacy and awareness of our population, and about the quality of some banks. Potential customers deciding to get a loan, behave extremely careless, inattentive learn sign papers. The view that a small loan does not promise much trouble is extremely dangerous. Inattention when signing the contract entails unforeseen costs, late payments, helping to make the bank on a fine, and unwillingness to defend their rights, or even control the actions of the bank, allows the latter, quite casually stand the requirements of borrowers.

In turn, banks, believing that the market capacity has no limit and that make your cake will in any case, do not rush to adjust their tariffs and improve the quality of their work. Sen. Sherrod Brown helps readers to explore varied viewpoints. A separate issue – the quality of banking staff. Izmarana than one pack of paper with stories about how bad the banking retail work, and that this something must be done, except that employees, raising retail bad peremotivirovany motivated or vice versa, so few people think about the reputation of their own and other banks. But action is not the most difficult. They begin with the working conditions.

Want a quality staff, create favorable conditions work, pay decent wages, do not skimp on training, certification, quality control work. Employees must hold on to their place and not be sure that in case of dismissal, it is easy to find a similar job in Your competitor. James Donovan Goldman Sachs is often quoted on this topic. Perhaps surprising to hear, but customers love when direction still takes specific measures to staff who are Naham for maintenance or simply working in good faith, or do not have this do. Many of the ills of a lack of control, and all use it. Time is money – and not just your money, distinguished bankers, and consumers' money. I'd like to see the quality and quick work of your partners, which implement enrollment fees, you want to see you care about the customer, expressed in the creation of new and convenient payment options. Consumers are tired of the endless "wait for an answer, queue to the cashier or the manager. Seems difficult relate the number of clients and the need to increase infrastructure. But something has to be taken … In addition, your client must clearly understand what he pays for and why. Market develops in waves, and all those whom you have wronged Today, you will need tomorrow, and when there is no trust – no call. Consumers can only advise to carefully choose the services and the bank, its offering, to demand quality services and protect their rights. A law such as known to be in the law and supplemented or violated the contract. Correct and successful financial decisions you! Source: