Performance Advantage Magazine - Issue V-4770

 

Performance Advantage Magazine COVER Page
FULL PAGE ADVERTISERS
How YOU Can Advertise
In This Magazine




12 Tips On How Not To Get A Loan

Here are a few tips on how _not_ to get a loan, and underneath each one, the smart thing to do instead.

1. Ignore borrowing costs.

Examples of these are insurance schemes and prepayment penalties. Make sure you understand and are willing to pay them all. Understand your agreement before you sign, including terms and conditions.

A loan may become too expensive, with variable interest rates and fees. The total cost of your loan will depend on the annualised percentage rate (APR). The annualised percentage rate takes into account the interest amount, and all other charges.

2. Pick the first lender you think of.

Deals vary enormously, from loansharks to credit unions. Consider fully mutual building societies and credit unions, then find companies that are dedicated to loans. The first were set up to help members, and the latter's earnings come exclusively from lending money. They can offer better deals.

3. Communicate by telephone only, and don't record the name of who you spoke to.

Make sure you get the full name of the person with whom you speak, if you call your loan company. Big offices are impersonal; your loan officer could leave at any time. Write letters to keep a record of important points.

4. Take on a loan thinking "Well, I can always go bankrupt".

This is stupid. You will find it very hard to get credit of any kind in the future, when you need it badly.

5. Avoid researching the lender.

Type the name of the lender into a search engine. See if there are any negative postings about them.

6. Who cares what it'll cost you!

Think about your budget; how much can you afford each month? Then leave a portion of your monthly income aside as coverage for emergencies and unexpected bills.

7. Take your time paying it off.

No matter how cheap a loan may be, pay it off as quickly as you can to avoid interest accumulating. Try to get a loan that allows early payments; the quicker you pay back, the less interest you pay. If you extend the duration of the loan, you will have to pay much more in interest.

8. Make lots of enquiries in a short space of time.

Any more than four credit checks in one month for a personal loan looks suspect, and may affect your credit rating. When shopping for a quote, ask them if they're going to check your credit-rating, to be on the safe side. They don't need to, to give you a rough estimate.

9. Have lots of credit available to you, then ask for more.

To ensure you get the best terms, keep your credit-line as small as possible. Loan officers tend to count the total line of credit available as a liability.

10. Default or make late payments on small debts.

Not paying off that hire-purchase agreement years ago will come back to haunt you. Pay off small debts before they're due. Cancel credit cards you are not using. IMPORTANT: Keep your oldest card, for the credit history attached to it. Otherwise, consider their interest rates and fees, when deciding which ones to hold on to.

11. Sign papers without reading them.

You're anxious. You want the money _now_. Cue major upset later when you realise what's in the small print.

12. Keep quiet about repayment problems.

If you have problems with repayment, write to your lender as soon as possible. The earlier you tell them, the more sympathetic they'll be. You can then make arrangements for under-repayments until you get back on your feet.




 

Performance Advantage Magazine
FULL PAGE ADVERTISERS

._0-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
0-D-WOOD.pdf
0-J-FANCY.pdf
0-JJ-GARNER.pdf
0-WANT_TO_PURCHASE_ MINERALS_&_OTHER_OIL_&_GAS _INTERESTS.pdf
00-AARON-BRYANY.pdf
00-Brite-Star.pdf
00-Brite-Star2.pdf
00-DEL-PILAR.pdf
00-E-Bynum.pdf
00-G-MARTIN.pdf
00-H-Clay.pdf
00-J-HURLEY-2.pdf
00-J-HURLEY.pdf
00-J-SMITH.pdf
00-Monique's Mail.pdf
00-R-Peterson.pdf
00-Wrightsco-com.pdf
00-d-nicholls.pdf
00-eMclvor.pdf
00-h-clay.pdf
00-j-orlando.pdf
00-j-skuse.pdf
00-jj-jones.pdf
00-l-domerson.pdf
00-l-gaines.pdf
00-m-bugarini.pdf
00-r-vandergrift.pdf
00-s-frescas.pdf
00-w-powell.pdf
01-D-Foley.pdf
01-JCPatton.pdf
01-Slaton-Eison.pdf
1-WANT_TO_PURCHASE_MINERALS_&_OTHER_OIL_&_GAS_INTERESTS.pdf
88-BD-JOHNSON.pdf
88-D-Baker.pdf
88-J-SMITH.pdf
88-d-nicholls.pdf
88-h-clay.pdf
88-j-orlando.pdf
88-l-domerson.pdf
88-l-gaines.pdf
88-m-bugarini.pdf
88-s-frescas.pdf
99-A-Moore.pdf
99-E-Bynum.pdf
99-H-Clay.pdf
99-JC-Patton-Mail-Lists.pdf
99-Monique's Mail.pdf
99-R-Peterson.pdf
99-c-vandergrift.pdf
99-j-skuse.pdf
99-r-vandergrift.pdf
99-wrights.pdf
999-BROKER-BRITE-STAR-ENTERPRISES.pdf
999-Brite-Star.pdf
A-Moore.pdf
BD-JOHNSON.pdf
FRED-HINSTON.pdf
MAKE-MONEY.pdf
STS212.pdf
STS213.pdf
STS213a.pdf
STS214.pdf
WANT_TO_PURCHASE_MINERALS_AND_OTHER_OIL_&_GAS_INTERESTS.pdf
Your-2018-ADSHEET-DIRECTORY1.pdf
c-vandergrift.pdf
sam-scruggs-21.pdf

 

WANT TO PURCHASE
MINERALS AND OTHER
OIL/GAS INTERESTS.

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


Current Issue of 10/22/2019


194


FREE
INSTANT CASH FLOW SYSTEM!

How To Make An Amazing Income For Life
With A FREE Instant Cash Flow System!
a $597.00 value!
Start From Absolute Zero And Create An
Amazing Income For Life - Guaranteed!
Return This Ad With $1.00 Processing Fee To:
Free Cash Flow System
100 Blackamore Ave., Suite 22
Cranston, RI 02910
(Reg # 1809)

40


OPPORTUNITY FOR BORROWERS FOR CAPITAL FUNDS

50,000 And Up.
Send Typewritten Letter Of Business,
How Loan Is To Be Repaid
And A LSASE To:
LEROY TAGGART
233-01 MENTONE AVE.
LAURELTON QUEENS, NY 11422

18


FREE INSTANT CASH FLOW SYSTEM!

A $597.00 Value! Send $1.00 processing fee to: Free Instant Cash Flow System, 100 Blackamore Ave., Suite 22 (Reg. #2770) Cranston, R.I. 02910
188


SEEKING PARTNERS

Clear over $250,000 per year!
Free details for LSASE. Write to:
ANDREW VUNGARO
P.O. Box 320 * Buffalo, NY 14207

110


FREE REPORTS!

Government Lists Of Over
50 Grants and Loans.
Seniors, Free Dentures Services, Bridges, Crowns, Dentures and More.
$5.00 Postage Cash Or US Postage Money Order:
NORA LEE
PO BOX 763
GOLDSBORO, NC 27533

53


Recipe For
SUCCESS * HEALTH * HAPPINESS

A Compilation of Selected Writings
by Allen Flood
E-BOOK NOW AVAILABLE FOR PURCHASE!
FOR A COPY PLEASE VISIT
WWW.ALLENFLOOD.COM

155


ROAD TO RICHES

$6,000 Guaranteed
Millions Possible
www.roadtoriches.org/main-3693
William D. Powell
49 W. Chicago
Pontiac, MI 48340

107

SILVER EAGLE PRO

Over $10,000 A Month-Plus
An endless supply of
valuable American silver & gold coins. Financial freedom at last!
ilovemailorder.com/silvereaglepro.htm
ilovemailorder.com/silvereaglepro.pdf

138


91 MILLION PEOPLE WILL SEE YOUR AD!!!!

Your 75 Words WILL be e-mailed
to 65 MILLION PEOPLE;
Texted to 26 MILLION
Smartphones
http://bit.do/91MILLSADSENT

185


EASY WAY TO BIG EBAY PROFITS!


35


FREE MAILING LIST!

> MICKEY PARKER <
413 S. MALLARD ST.
LAS VEGAS, NV 89107

149


HOW TO MAKE A MILLION DOLLARS!

Send $5.00 Cash + Your Name &
Address for my Five Page Plan.
It Works. Try It. Mail to: ALLEN
600- 18th. Ave. N # 217E, Minneapolis,MN 55411

70


Free Money

You never have to pay back! Receive $2,500 every 30 to 45 days. You make a pledge to send a $100 Gift (one-time) to only one person.
Money-Making-Pages.com /moneypage471.pdf

163


HATE MAIL--THE REASON FOR HATE MAIL And HOW TO RESPOND! IMPROVE YOUR CUSTOMER SERVICE SKILLS.

Report-Reprint Rights $3.00 To:
WRIGHTS Co.
Box 1886
Horsham, PA 19044
http://Wrightsco.com

137


MAIL KING PLAN
FREE NAMES, STAMP & MONEY


136


GUARANTEED DISCOUNT PRICES!
Go online website
www.bettyskidswear.com
Enter code DSO6854

for Free gift with 1st purchase. Top brand-names like Gap Kids, Reebok, Addidas, Oshkosh!
Don't put it off!

147



193


Get Paid To Shop

www.myedgeco.com/shop/jp2829
www.sellbizopps.com/lists/jp2088
www.myedgeco.com/myshop/jp2829

127


23 POPULAR FAST FOOD RESTAURANT DISCOUNT CARD



126


DISTRIBUTORS WANTED!
Make up to
$10,000 Monthly
GIVING AWAY
FREE PRESCRIPTION DISCOUNT CARDS

which save people up to 87% at over
54,000 pharmacies nationwide!
Send this ad and $1.00 to:
ALLIED CONSULTING
PO BOX 111124
AURORA, CO 80042
Attn: RxCut HIM-1

146


SAVE 50%-70% ON NAME BRAND KIDSWEAR!

Blowout Clearance Sale On
Name-Brand Kidswear!
Save 50%-70% Off Retail!
Exclusive Time Limited Offer!
Log On
www.magickidsusa.com
Or Call
1-773-668-9483
For FREE Catalog.
Mention Code MK92933
For Huge Savings.

22


TURN $7 INTO $19,659

Per Month! Listen To Message:
(512)-505-6850
PennyMatrix.com/mitchell

57


DISTRIBUTORS WANTED!
Make up to
$10,000 Monthly
GIVING AWAY
FREE PRESCRIPTION DISCOUNT CARDS

which save people up to 87% at over
54,000 pharmacies nationwide!
Send this ad and $1.00 to:
ALLIED CONSULTING
PO BOX 111124
AURORA, CO 80042
Attn: RxCut HIM-1

146




    


images_article



images_horiz_220x90



images_horiz_468x60



images_horiz_728x90



ad_images_mini



images_square

images_vert


Performance Advantage Magazine

Performance Advantage Magazine - COPYRIGHT - ALL RIGHTS RESERVED