5 Major Insights on Long Term and Short Term Loans Discussed Honestly

Loans like the short term and the long term have a league of advantages and disadvantages, and most of these depend on the requirements of individual borrowers. Both types of loans provide legitimate access to financial route, but each one has their respective alcove and function. Knowledge on these loans will create a notable difference as the borrowers can make the right decision at right point of time. Moreover, it is going to be useful to save capital for personal purpose and help in the financial growth.

Insight on Merits and Demerits

Insight #1

Long term loans are paid off in small amounts, with time extending to long periods. In most cases, this time period can range from a few months to more than two decades. These loans are processed by traditional banking sectors, financial institutions as well as credit lending agencies, with an essentiality of full financial background analysis. In addition, this financing offer has a very cumbersome process, and this is time-consuming. Here again, you need to check with the credible broker.

Insight #2

Long term loans comprise mortgage payments, school loans, and vehicle loans, providing a considerable amount of money that is easily repaid over a period of time. Besides, the interest rate and fees associated with such loans, which is directly proportional to credit approval, work history, assets and several inter-connected factors. Affordable interest rates are only possible in case the credit history of the prospective borrower is impressive and he or she has the stable employment.

Insight #3

One of the major drawbacks associated with long-term financing is that the application processing is time-consuming, and most often, has to be supported with comprehensive documentation and paperwork. There is also need for the guarantor at the time of applying, especially since there is an unstable economic environment.

Insight #4

Short term loans, also known as payday loans aim at providing quick cash to the borrowers. These loans are functionally opposite of the long-term loans. The process of filing an application is simple, lucid and less time consuming. The lender offering this type of loan product is interested in knowing about your income, the nature of job, and the bank account. This type of financing is for the limited period, and therefore quickly repaid.

Insight #5

Approval of short term loans doesn’t need any credit check or any potential customer. The entire process of application will be over before you could ever think. The credit is available for the disbursal on the same day. The repayments are also gradual and quite objective in nature.

Short term loans or the long term loans; making the right choice, always matters. The differentiation between financing is in the manner the available credit is put to use and the time frame for repayment.

Source by Sarah Maggie

Peter Berger’s Sociology: An Unvarnished Introduction

Prose and Presentation

Berger’s prose style is neither elegant not convoluted. For the most part it is a model of plain-spoken clarity, though one must remember that he is an intellectual and a professional sociologist, typically writing for those who fit in the same or similar categories. Moreover, from time to time and source to source he may resort to the use of gratuitous neologisms, something that, in my experience, often leaves an author and his readers poorly served.

Nevertheless, neologisms are consistent with Berger’s judgment that sociologists have an obligation to create concepts to serve the research purpose at and. Berger is unconvinced by claims that the established conceptual apparatus known to most sociologists is sufficiently flexible and exhaustive in coverage to be of universal value.

In The Homeless Mind, for example, Berger invoked concepts of his own making, or that he had borrowed from relatively obscure sources, in an effort to more effectively capture the complexities and difficult substantive concerns of modernization and modernity. His use of adventitious concepts such as mechanisticity and compenentiality was prompted by his judgment that understanding the institutions and styles of consciousness in a modernized world is sufficiently difficult to require application of new and different ideas. Unfortunately, however, the result was a collection of unnecessary, awkward, and not particularly attractive or illuminating terms that occur much less frequently than one might expect throughout the rest of the book.

On the oddly infrequent occasions in which I encountered one or more of these clumsily mystifying locutions, I paused, translated it into everyday language or established social scientific concepts, and wondered why Berger had made this sort of translation necessary. This kind of misguided linguistic inventiveness represents the repository of terminological pretentiousness and confusion that makes outsiders suspicious of sociology as an intellectually constructive discipline. This is exactly the sort of ill-conceived conceptual apparatus that Berger himself has referred to as “the technical dialect for which sociologists have earned a dubious notoriety.”

Perhaps this is an unduly harsh judgment, and certainly, in principle, development of new concepts tailored to specific tasks may be a good idea. It does seem, however, to diminish the value of sociological concepts already in wide use. It also makes one wonder if Berger fails to appreciate his estimable facility in dealing with complex and difficult social phenomena using everyday language devoid of extraneous, quasi-technical terminology. After all, Berger himself has held that most sociology can be effectively presented in ordinary English.

In addition, in other contexts Berger has shown that he is perfectly capable of parsimoniously producing suggestively useful and linguistically new concepts well suited to a particular project. For example, when working in South Africa as part of a group charged with anticipating what the post-apartheid nation might look like, he was asked to provide a conceptual framework that would guide the efforts of the disparate collection of bright and accomplished policy analysts with whom he was working.

Wisely, Berger used “The Social Construction of Reality” as his point of departure. In addition, he invoked the term “cognitive maps” to refer to the interests of the various politically active groups with a stake in developments in their nation.

“Cognitive maps” strikes me as just the right concept to capture the conflicting, over-lapping, and independent interests involved. There’s nothing awkward or mystifying about it, and it serves Berger’s purpose quite well. It seems that Berger’s talent for inventing new concepts and suitably readable neologisms varies enormously from one project to another, with the fewer the better being a very good guideline.

As a contemporary sociologist of knowledge, Berger is primarily interested in what ordinary people know — commonsense or recipe knowledge — rather than arcane philosophical accounts of the ideas of highly specialized scholars. Finding truth according to some presumably infallible absolute and fundamental standard is not part of Berger’s project. Instead, his first concern is the reality of everyday life, or commonsense knowledge. Since we live in an inter-subjective world, commonsense knowledge is the knowledge we share with others in our everyday activities and mundane interactions.

Berger insightfully grasps the fact that this is the kind of knowledge without which society could not exist. The shared, all-purpose, commonsense nature of commonsense knowledge provides an answer to a question of first importance to Durkheim and numerous other sociologists, namely “how is society possible.” The answer for Berger is that commonsense knowledge provides the building blocks that make it so.

I think that an important implication of Berger’s perspective is that it is a waste of time for the sociologist, rather than the philosophical anthropologist, to struggle with a definition of human nature. If sociologists are interested in human nature as a foundation for their theorizing and substantive work, I think it’s best to construe it as contingent and context specific. We are products of the circumstances in which we live, and our nature is contextually mutable and historically distinctive. In effect, we produce ourselves and are produced as part of the dialectical process of living with others in sets of circumstances that assure that our natures will be variable. Berger puts this exceptionally well in The Sacred Canopy, where he holds that “society is a dialectical phenomenon in that it is a human product and nothing but a human product, that yet continuously acts back on its producer.”

Berger’s emphasis on the sociology of everyday life as people actually live it is an important reason why his work, with occasional exceptions, has been consistently accessible. It also attunes us to the pervasively available meanings without which no society could exist. It focuses on the character of the social context in which we live and what we take to be factual and real.

Those who would take the foregoing, in sum, to mean that sociological knowledge is transitory and contingent have a point. Berger, however, offers a determined effort to make the case that sociology is in an advantageous position with regard to producing objective knowledge that cannot be dismissed a just relativistic speculation dressed up in methodologically and theoretically elaborate social scientific garb. When he trumpets his discovery of the unparalleled virtues of capitalism, however, he steps away from this position, making a fatal error of his own. For the most part, however, Berger’s position with regard to objectivity is perfectly tenable and devoid of special pleading for sociology.

Eventually, a book titled “Peter Berger’s Sociology: An Unvarnished Overview,” may appear in print, a thorough and critical discussion of the material we have just introduced. For now, those who would like to read an account of much of the material that provides the basis for Berger’s work can turn to “Classical Social Theory in Use: Interpretation and Application for Educators and other Non-Specialists,” published by Information Age.

Source by Robert Bickel

Why Getting $30,000 Personal Loans With Bad Credit Is No Lie

It is no surprise that the majority of people would consider the chances of securing a $30,000 personal loan with bad credit next to impossible. The sum is high and the perceived risk is too. So, what lender would agree to the deal? Well, the truth is that, with the right application, even this loan is attainable.

It is easy to look at the loan application at face value and reckon lenders would reject it. When it comes to traditional lenders, the likelihood is actually very strong, but the growth of online lending has opened up many niche markets – such as bad credit lending. Online lenders are willing to grant approval despite poor credit scores.

Their willingness is not rooted in foolishness, however. They are bad credit lending experts, offering a route to vital funds to those unable to secure affordable deals from traditional lenders. Lending a large personal loan to applicants eager to improve their credit ratings is not as risky as it seems.

Two Kinds to Consider

There are two types of personal loans available on the market: secured and unsecured. The core difference between them is the presence of collateral with secured loan, but the type chosen can have a big influence on the chances of getting a $30,000 personal loan with bad credit.

Basically, getting approval with a secured loan is much easier because it is backed up by collateral that can be used as compensation should the borrower default on the loan. With no collateral provided, income is the key hope to securing approval despite poor credit scores.

But there are problems with large personal loans, namely getting collateral that matches the value of the loan. It is no great problem when $1,000 loan is being applied for, but a $30,000 loan is a different matter. But if collateral can be found, the interest rate lowers and repayment scheme becomes more flexible.

How Cosigners Solve the Problem

There is a security option open to applicants that cannot find collateral when seeking a $30,000 personal loan with bad credit. A cosigner is not technically security, as he or she is not required to get involved unless the borrower becomes unable to make repayments.

A cosigner is effectively a guarantor, providing an assurance to the lender than the monthly repayments will be made. This is the best possible addition to a loan application since lenders only ever want to be sure of receiving the repayments on time. So, with a cosigner the chances of securing approval despite poor credit scores is extremely high.

However, there are conditions to the deal. A cosigner has to have an excellent credit history and have a large enough income to meet the loan repayments should that become necessary. But once the right candidate is found, securing the large personal loan becomes a probability rather than a possibility.

Your Credit Scores

A final issue to consider is your own credit score, and whether they can be improved ahead of submitting the application for a $30,000 personal loan with bad credit. The score, remember, influences the interest rate that is charged on the loan, which in turn influences the monthly repayment and its affordability.

Improving your score can see the interest rate lowered, thus helping to make the loan more affordable and the likelihood of approval despite poor credit scores improved. The only way to improve the score is to clear at least some of the existing debt.

Taking out a consolidation loan can accomplish this, with the right terms not only clearing the debt, but ensuring extra cash is freed up with which to pay the large personal loan.

Source by Donna N Hammond

River Fishing Tips – Tips For Catching Fish In Cold Weather

As a person who has been fishing in rivers,especially small rivers that need to be waded to be fished effectively (mainly for trout or small mouth bass) it occurs to me that catching fish in cold weather can be a difficult proposition. In fact in many cases catching fish while river fishing during the months of December, January, and February can be so difficult that many anglers don’t even bother to try. Fish can be caught while river fishing in cold weather, it’s just the the rules are different than they are at other times of the year.

In this article I will discuss a few river fishing tips to help you catch more fish during the cold weather months of December, January, and February. The first of the river fishing tips to consider concerning fishing in cold weather is where the fish are located within the river system itself. During warm months when the water temperatures are warmer, fish are found throughout the river system. Fish can be found in pools, runs, and riffles during months other than January, February, and March, whereas during the cold weather months fish tend to congregate together in the deepest pools within the river. The biggest mistake fishermen make when attempting to river fish in cold weather is fishing in the same area’s that they catch fish during other times of the year. When the weather is cold concentrate your time on the deepest pools in the river and fish these pools very thoroughly.

The next tip for catching fish when the weather is cold is obvious, but is nonetheless an extremely valid tip. You always want to be prepared for the weather when fishing in cold weather, and depending on your favorite style of fishing the most important part of your body to keep warm is probably your hands. Nothing can ruin a perfectly good fishing trip like cold hands, which is where a quality pair of fishing gloves and/or glove liners comes in to play. Glove liners can act as “fingerless gloves” as well, which is nice for being able to feel your fishing line for tying knots or feeling for bites while fishing and then when the fishing is over you simply slip your warm gloves over your glove liners to keep your hands warm and toasty. Wearing a beanie style cap is also very helpful for keeping your whole body warm when fishing in cold weather and is something that every cold weather fisherman shouldn’t be without, seeing as how ninety percent of your body heat escapes through your head when the temperatures are cold.

The next of the river fishing tips that I want to discuss in regards to fishing in cold weather is the size of the bait or lure that you use. In the cold weather months of January, February, and March water temperatures become extremely cold and because fish are cold blooded creatures, their metabolism slows down considerably. This means that the fish don’t feed as often due to their slow metabolism and means that you want to downsize your baits when fishing in cold weather. For example rather than using an entire live worm as bait in cold weather just use a two inch section of a worm or rather than using a half ounce Rooster Tail use one that is 1/16 of an ounce and plan on “working harder” for each and every bite that you receive. In cold weather it is often necessary to put your offering literally in front of the fishes nose to get the fish to bite, which means that you usually have to make a lot more casts than you might be used to.

Keep these simple river fishing tips in mind the next time that you head out in search of fish when the temperatures are cold. They will not only help you to experience more success, they will help you be much more comfortable as well.

Source by Trevor Kugler

The Relationship Between Insurance and Finance

Insurance and finance are closely interwoven fields of business, not least because they both involve money. They also often both involve speculation and risk, and often where one goes, the other will follow. Take property investment for example, it involves a large amount of capital out lay, swiftly followed by insurance to protect the capital investment. It would be ridiculous to spend such a vast sum of money on a venture and not protect it against possible damage. It therefore makes sense to store information on these two subjects together, as the relationship is so logical.

Insurance is a form of risk management used to protect the insured against the risk of a loss. It is defined as the equitable transfer of the risk of a loss from one entity to another in exchange for a premium. There are different kinds of insurance for just about every conceivable event. The most common insurance is probably life insurance, which provides a monetary benefit to a decedent’s family or other designated beneficiary.

It can cover funeral or burial costs and can be paid out to the beneficiary in either a lump sum or as an annuity. Property insurance is one of the more necessary insurances as property is extremely expensive and if it is lost or damaged for some reason (fire, earthquake, flood) it can be very difficult to replace without adequate reimbursement. Travel insurance used to be seen as an unnecessary expense and is still viewed as such by many. Its importance is, however, being increasingly recognised by the public at large. It is cover taken by those who travel abroad and covers certain unforeseen events such as medical expenses, loss of personal belongings, travel delays etc. There are numerous other types of insurance, too many to mention, all vital if you want to protect something of particular importance to you or another.

In the world of finance there are many sub-categories, also too numerous to mention but a few will be included here. Forex, or the foreign exchange market wherever one currency is traded for another. It includes trading between banks, speculators, institutions, corporations, governments, and other financial markets. The average daily trade in the global forex is over US$ 3 trillion.

Tax consulting usually involves CPAs and tax lawyers in addressing any tax issues that you may have. There may also be Professional Strategic Tax Planners and Enrolled Agents, depending on the company that you hire. They will help you reduce your tax debt, eliminate tax penalties, an innocent spouse claim, tax liens, bank levies, and preparing unfilled tax returns, as well as any other tax resolution problem that you might have.

Property investment is usually when an investor buys property with an eye to generate profit and not to occupy it. It is an asset that has been purchased and held for future appreciation, income or portfolio purposes. In some instances an investment property does not have to be held for profit, as some landlords in New York lease office buildings to non-profit organisations for tax purposes. Homeowners consider their homes to be investments but they aren’t classified as investment properties. Perhaps if you’re buying your second or third home, it can be considered an investment property, especially if you plan to rent it out to help pay off the home loan.

Business networking is a marketing method, which is as old as business itself. It’s been around since ever since people learned to hold a glass of whiskey and schmooze. In fact, its probably been around a lot longer, Cro-Magnon man probably gathered around the newly discovered fire and showed each other their collection of animal teeth and traded them. Creating networks of crocodile teeth owners and sabre toothed tiger owners, who tried a take over bid against the sabre toothed leopard owners. Business networking is designed to create business opportunities through social networks. It helps if the people involved are of the same frame of mind.

These days a very handy way of business networking is via the Internet on the various social media available. But it must be said that very little can beat the intimacy and trust created by face-to-face relationships. Also, where would our businessmen be without their whiskeys and weekly schmooze?

Source by Sandy Cosser

Murder of Benevolent Media

The fourth estate of democracy in India, being the mirror of the society upholds the duty of public care. Media is looked upon not only as mere mediator of knowledge but as the only powerful weapon at the hands of a layman specially in a corrupted unsafe land. An afflicted individual judicially unheard seeks honest support from media, the only sector expected to have the most secular, credible and unbiased behavior. Ethical and socially responsible media has the strength of questioning any section of authority and portraying the hidden criminals fearlessly. But what happens when this media is suppressed to silence by the so-called eminent politicos?

There are immense instances in every country wherein enormous number of media personnel are either threatened or annihilated to death just for the simple reason of benevolence. A media person is subdued either under business and political authority or under his own gluttonous interests. Every media student dream of becoming an honest journalist but certain incidents all around the world shatter it in seconds.Nevertheless, if under rare circumstances, an individual attain success in portraying illegal yet concealed offences of authoritarian officials he is perished advertently. Irony is that Earth loses an honest soul at every single step of honesty and every school teaches “Honesty is the best policy”. When media is being relied for its altruistic services, why does it face challenges against its own survival? New media is being built for fearlessly publicising opinions of the voiceless but those opinions face heinous consequences. Specifically media people are killed simply for exercising their right to freedom of speech and expression.

An essential question arising is that Has Freedom of Speech and Expression, the sole component for any individual to survive, simply vanished? Everyone has the constitutional right (Article 19(a) of Indian Constitution) to Freedom of speech and expression which is violated in such cases. Murdering a person due to his social media activism specially when the posts are beneficial for the public, is a reprehensible crime punishable in the eyes of society as well as law.

For now a concluding statement can be derived that If media has the duty of digging out hidden truths in front of the public, no power structure has the right to suppress media or any such information unless it is considered false under law. Media is made for the people, is representative of the people and will leave no stone unturned in saving the public from irrational cruelties of political leaders.

Source by Alruba Sheikh

Why Is Budgeting Important for the Entrepreneur?

I’ve had many to inquire of why budgeting is so important for the entrepreneur? I’ve especially seen these inquiries from solopreneurs or small businesses of one or two people. Let me just say first that having a budget is one of the key components to a successful business no matter the size. How do you know where you’re going, if you don’t have a plan for getting there? How do you know how well your business is progressing or not, if you don’t have something to measure your performance against? Simply put, a budget is a financial plan and helps you to manage the future income and expenses of your business. It reflects the goals & objectives of your business combined with how you believe your resources will be used. However, it doesn’t stop there, a budget serves as the roadmap for your business. It aids in providing a compass for making important business decisions in a more efficient manner to ensure that your business is heading in the right direction. A budget also empowers you to think more about the future and anticipate what could possibly happen in your business, which in turn makes for effective management.

Here are other reasons why I believe budgeting is important to the success of any business:

1.) Provides insight into your business and sheds light on if your business is financially on the right path.

2.) Creates a performance measurement mechanism in which you are able to understand what your business is doing compared to what you thought or planned.

3.) A budget shows that you are a serious entrepreneur which makes your business attractive to potential investors and is a critical component in getting funding from a bank.

4.) Acts as a management tool for running your business on a daily basis.

5.) You are able to make adjustments early once you realize that your business may not be reaching its planned goals.

6.) Due to a budget being a forward thinking document, it serves as a planning tool for future growth.

7.) Produces discipline in that as an entrepreneur you are more aware of your expenditures and more careful to manage costs in order to ensure that you reach your established goals.

Source by Antonina Geer

Top 7 Similarities of Business and Politics

Politics and Business are so similar in many ways. Sure politics is much dirtier and generally played by less ethical individuals and yet the similarities are often uncanny. Perhaps a brief point-by-point comment on this subject will open a new perspective on this subject. Below are a few similarities to help the thinking juices flow and allow some conceptual thoughts.

1.) In politics you must canvas the area using data about the voters; in business you use demographic software to gather information about the customer.

2.) In politics you must get the voter to make a decision to vote for your candidate; in business you must get the consumer to choose your product or service over your competitor.

3.) In politics you must employ multiple methods to reach the voter; In business any good marketing program uses multiple media, mediums and methods to reach the consumer.

4.) In politics you must show how your candidate is better and different; In business you must show how your brand is best.

5.) In politics you must get those people to the polls to vote; in business you must get those customers in the door of your business to buy something.

6.) In politics you must win or you are forgotten; In business you must beat your competition and the customer must buy from you or you go out of business.

7.) In politics the customer decides with his or her vote; in business your voter buys your product or service with his or her dollar.

I hope this philosophical discussion allows you to see business from a different perspective and if you are in business and considering politics, forget it. Business is a much better game than politics and as a politician might say; You Can Trust Me on This in 2006.

Source by Lance Winslow

What Is The Difference Between Recreational and Commercial Fishing?

In the early era, fishing is done primarily for food consumption but nowadays, it is practiced not only for consumption but also for fun, research work, and industrial purposes. Technological advancements had made it easy to catch fish, however, there are still many people who prefer the traditional way of catching for the purpose of relaxation.

Modern day fishing is broadly categorized into recreational and commercial fishing.

Differentiating Recreational and Commercial

Recreational fishing is also known as sports fishing. This is usually done for fun and competition purposes. Using the basic method of catching, this type of fishing differs from commercial category in many ways. Fish catching in this category is usually done in lighter boats with rods, reels, hooks and baits. Lighter boats are used so as not to make disturbance for a successful catch.

Sometimes this is also done inland with the same equipment used, usually beside a lake.

What Is The Commercial or Industrial Fishing

Commercial fishing, if done on large scale, is also called an industrial fishing. This commercial type of fishing which uses equipment such as trawlers and factory ships aims to provide seafood supply for the market. Trawlers are used for commercial purposes while factory ships are used for industrial purposes.

Generally, the trawlers are equipped with nets, trawl and pot-traps. Factory ships on the other hand are large vessels with dynamic on-board facilities for immediate processing and freezing of caught seafood. These factory ships are capable of storing tons of seafood at a time. Unlike recreational fishing, commercial fishing is a serious revenue generating career for people. But it is considered as a very dangerous career line because of its high fatality rate.

The alarming rate of marine species extinction has also been attributed to this kind of industrial fishing.

What Is The Role of Government

Several non-profit organizations continuously file petition against recreational fishing as well as commercial fishing to protect other marine forms of life. Thus some government agencies were formed to monitor excessive catching of fish that can be dangerous for the existence of several marine species. Strict rules and regulations have been imposed to control catching of fish to a reasonable extent.

Like commercial fishing, recreational fishing is also subject to the intervention of the government. Government regulations make quotas, treaties and laws to control the catching of fishes otherwise the extinction of marine species will rise at an alarming rate.

Source by Nelson Paran

Free Military Background Check – Find Out If A Person Is Really In The Military

When it comes to hiring new employees, knowing that you hired the right person can be an ease to you mind and allow you to return back to normal daily work routines faster. One such way of putting your mind at ease is to have the applicant undergo a military background check. This will let you know if they in fact were in the military and if they were, where they honorably or dishonorably discharged. Not everyone is willing to be open about their military service record and in many cases people may even lie stating they were in the service when they never were. Help filter out those who are prone to lying by performing a military background check on every employee.

The military background check is just another tool at the disposal of business men and women across the country who wants to make hiring a new employee easier on the mind. Let’s face it, no one wants to hire a lazy and worthless employee, but this happens all the time. Prevent this from happening to you by making sure they are who they say they are and that their background record is clean and secure.

Regardless of what your company does, making sure that the applicant is the right candidate for the position is probably the most important part of the hiring process. You can ensure this is true and at the same time minimize your chances of hiring a liability to your company and your company’s name by making sure you perform the appropriate background checks on every applicant.

Sometimes your business may only require the standard background check while other times you may need to opt for a comprehensive or even a federal background check. It does not matter which one you need, all that matters is that you make sure that your applicant’s background records are clean and free of any questionable information which may come back to haunt you later. You can do this through a military background check and put your mind at ease knowing you hired the best candidate for the job.

Source by James Dean