CollectorsBiz Magazine - Issue V-1936

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

Send details to:
P.O. Box 13557
Denver, CO 80201


Current Issue of 11/16/2018

91 MILLION PEOPLE WILL SEE YOUR AD!!!!

Your 75 Words WILL be e-mailed
to 65 MILLION PEOPLE;
Texted to 26 MILLION
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185


DISTRIBUTORS WANTED!
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Attn: RxCut HIM-1

146


ADS ACROSS USA

Make out a $20 money order
for each person & a $20 money order & 5 stamps for the monitor.
William Lee
9309 Sarasota Drive
Knoxville, TN 37923
Get c/r ad with you in position #1.
Get $20 on 3 levels.
We publish this ad and
your 1" ad to 10,000.

$20--Chrystal Kellogg
P.O. Box 788
Alcoa, TN 37701

$20----Space Available

$20----Space Available

76



175


The Opportunity to own more books than many Small Town Libraries!

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47


EARN BIG MONEY
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FROM HOME

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or
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Referred by #2243
J.C. Patton

176


FREE CATALOG OF THE BEST SELF-DEFENSE PRODUCTS!

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RETURN THIS AD WITH YOUR REQUEST

91


SALES PERSONNEL

to call on spas, beauty salons,
beauty supply stores, boutiques,
health clubs, etc. to introduce and sell
Wild Rose personal care products.
40% commission on every case sold.
Send info to:
Sales
PO Box 303
Randallstown, MD 21133

55


VISA/MASTERCARD

No Income Or Credit Check!
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For Application, Send #10 S.A.S.E to:
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1508 STAFFORDSHIRE DR.
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32


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Send This AD + One-time payment of $75 to the Monitor:
DAVID BOWKER
1002 -9th. Ave.
New Brighton, PA 15066
Referred By: Gerard Jeanty, ID #1180
Select 2 choices of Gas Cards:
Exxon BP Gulf Sunoco Shell Marathon CitGo

72


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0-D-WOOD.pdf
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0-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
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WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
Your-2016-ADSHEET-DIRECTORY1.pdf
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Bad Credit Loans – Much Needed Money in the Most Testing Times

For people who do not know much about bad credit, it will often be incomprehensible as to why a financial product has been devoted solely to cater to the class. Nonetheless, the proportions that bad credit people constitute of the population, justifies the creation of a separate loan category. It is however, contestable if bad credit loans have done enough justice to its customers.

The principal contention of the borrowers is the excessively high rate of interest that they have to shell out for bad credit loans. When compared with the terms offered to the regular customers, the terms on which bad credit loans come indeed look inflated. However, this is an erroneous perspective that things are being looked through. Regular customers are those who have perfect to good credit history. If past credit reports depict the credibility enjoyed by a borrower, then a person who has a good credit history will be relatively safer to lend. Thus, terms on which loans are offered to borrowers are fairly lenient than for the bad credit borrowers.

This does not discount instances when loan providers would intentionally peg the rate of interest higher. Sensing the urgency of the individual, many loan providers would fix the interest rates higher. Individuals, who have been refused loans from several lenders, will seldom believe that there are many deals available in bad credit loans. Had it not been for online lending, borrowers would have continued believing the same, and falling prey to the swindling tactics employed by certain loan providers.

Online lenders are not limited to a single county or region. Most of the loan providers have a nationwide presence, serving customers through their own branches or through a network of lenders having base in the specific county. This ensures that the purview of search is widened. The loan providers undertake to find the loan deals that suit the requirements of the borrowers. Though not impossible, it will be difficult for the borrowers to search individually for the desired bad credit loans. Refusal by a few loan providers is enough to undermine their fervour.

Online loan providers however utilise a different method of searching bad credit loan deals for its borrowers. When an application is received for a bad credit loan, the borrower will have to be responded within a short period (generally an hour) if he can qualify for the loan. Known as an in-principle decision, this is not a final approval of the loan. This is an intimation from the lender that, provided certain conditions are fulfilled, the borrower will be sanctioned the bad credit loan.

The loan providers after making a study of the case statistics of the borrower and determining the credibility that he enjoys, would match the borrowers’ requirements with the loan deals available. Even when lenders from the network are to be utilised, borrowers stand a chance of getting the best deals. The same lenders who would have feared offering loans to the bad credit customer, would easily lend when applications are routed through an online lender. This is because the online lenders guarantee as to the trustworthiness of the individual after conducting the relevant checks.

The amount that is actually sanctioned as a bad credit loan will be lesser than what is desired. This again depends on the lending policies prevalent among the loan providers of a particular region. There are certain lenders who do not consider bad credit people posing too much of a risk. Certain techniques will be utilised to cover the risk posed. Demanding a collateral of the borrower is one such technique.

A bad credit loan where the borrower has to present the lien to an asset is termed as secured bad credit loans. House is the most commonly used collateral. House also secures the largest amount for the borrowers. The other important assets used include automobiles, stocks and shares etc. The common practice is to hold the lien over the asset till the secured bad credit loan has been repaid in full. Homeowners who have pledged the home equity to serve as collateral will not have to move house. However, when the loan has been left unpaid, the borrower has the rights to repossess the home for recovering the due amount.

It is the fear of the home being repossessed that many borrower would look forward to unsecured loans. The relatively higher rates of interest and stricter terms are set aside to ensure that home is not endangered.

Bad credit loans facilitate a significant change in the credit history of the borrowers. The manner in which the decisions on the bad credit loan are made, and the discipline with which the decisions are implemented and adhered to has much bearing on whether or not a borrower is able to improve his credit ratings.




    


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