Get a Loan the Same Day You Apply

There are so many reasons why your credit may not be perfect. Perhaps you are young and you haven’t established much credit yet. That doesn’t mean you aren’t going to be responsible and pay the money back. You may not have collateral to get a typical loan either. With unsecured loans no credit check, you don’t have to worry about those things.

Wipe the Slate Clean

It can be upsetting when you are in a crunch to borrow money but you aren’t sure if your credit is going to pass the test. Wipe the slate clean and save yourself the pressure or the hassles. With unsecured loans no credit check, you will need to fill out a very small and simple application. It only asks you basic details. You don’t have to share any details about your debts.

Everyone is on the same level when it comes to applying for such funds. Everyone gets the same rate of interest too. This is important because with a traditional loan, the approval is just one step in the process. The lender also gives you a rate based on the current economy and based upon your credit score. You may pay more for the loan than someone else because of the score.

With unsecured loans no credit check, the process is done very quickly. They will look at your income and they need to verify you are indeed the person applying for the loan. Once done, they can come back to you with an offer. This includes the amount they can loan you, the interest rate, and a repayment plan.

Accepting the Offer

Carefully review the offer on the table with unsecured loans no credit check. If you don’t agree with details or it doesn’t make sense, don’t sign in. Never be in such a hurry for the funds that you don’t take your time to look it over. Once you sign, you are legally bound by those terms for the duration of the loan.

Only accept an offer if it is the amount you need though. Don’t borrow some from this lender and then try to get more from another lender. You only want one lender of unsecured loans no credit check you owe money to at any given point. You also need to make sure the repayment structure works well for your budget. Don’t set yourself up to fail with it.

Finding a Lender

Take your time to find a lender offering same day loans like this. They need to be established in the business and have a very good reputation. Avoid any company that seems to be on shaky ground from the customer’s point of view. Compare interest rates and repayment options so you can get the very best deal for your needs. Talk to the lender about any questions you may have.

Excellent customer service should be something you look for from such a lender. You need to know they will be there to aid you with anything you need. Not just during the application process but until the loan has been paid off. You want a fast and convenient method of getting money that is hassle free.

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What to Look for in a Loan Origination Provider

Loan management is a growing priority for both community and regional banks, with a large number of regional and global banks implementing loan management portfolios and inventing new schemes for loan origination and repayment. The traditional loan origination process is well-known for including several manual, paper-based underwriting steps. Read how you can improve both the borrower and the lender experiences.

Manual Underwriting- Recognizing the issues: 68 percent of customers have to provide additional documents after completing the loan application process, and 48 percent of customers were asked to provide the same document more than once. The outdated process isn’t just costly for the borrower. These inefficiencies in the home loan origination process have seen an increase in the personnel expenses by 40%. Loan production also stalled to 2.4 loans originated per production employee per month.

Frauds and Scams-Apparently, experts say that 2016 could reach the highest mortgage fraud risk since 2010. In addition, this growth in fraud risk is actually attributed to areas that were previously considered low-risk. While all banks feel the impact of a fraud scheme, for smaller community banks, the results could be devastating. Mortgage schemes that use false documentation to secure loans are unfortunately all too common, and they don’t appear to be slowing down anytime soon.

Convenience and Technology- Catering to the millennials: Today, the borrowers count on convenience and efficiency of technology, especially when millennials make up the largest share of home buyers. These individuals in particular are doing everything online, and cannot understand why they still have to locate and submit multiple paper documents to secure a loan. When choosing a bank, online banking services are a key factor for millennials. The generation was also 15 percent more likely to switch primary banks in the past 12 months than people 55 and older. Millennials desire a personalized and seamless banking experience, and that preference does not change when it comes to the home loan origination process.

Automated Authentication and Verification-Banks and Credit Unions are increasingly implementing automated asset search and verification. Automation isn’t just about speed; data accuracy and quality are even more vital to making smart lending decisions and preventing fraud. Rather than adding solutions that don’t solve the full problem, lenders should evaluate whether a given solution is capable of systematically verifying liquid asset information using collaborative, shared data.

Every lender is multi-tasking in all possible areas. Managing competing priorities: closing loans faster, strengthening loan portfolios and meeting borrowers’ demands. What may seem as one, small aspect of the entire loan origination process in many ways represents lenders’ biggest opportunity to positively impact their businesses and more importantly, their borrowers.

At Epictenet, we empower organizations in the Banking, Mutual and Financial services Industry by providing customized member and loan origination solutions, online calculators, enterprise reporting, financial mobile applications, intranet and consulting services. We also provide innovative marketing strategies, manage social media across platforms, improvise your online visibility through SEO and help your company get noticed by creating campaigns and elevating your digital persona.

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The Best Way to Get Money in a Hurry

If you have often felt you couldn’t get the money due to your lack of credit, poor credit, or the amount of debt you have, it can hold you back. There are lenders out there though that don’t use that credit score or debt to income ratio. Instead, they look at your ability to pay the money back. They keep the process simple so you can apply for a personal loan with bad credit.

Check out Lenders

One of the differences is these lenders tell you upfront what your terms will be. You will get full disclosure with the interest rate and with any fees associated with the loan. This information is important as you can compare it to make sure you get the best possible deal. Pay the least you have to to borrow that money.

Make sure you check the reputation of the lenders too before you apply for a personal loan with bad credit. Most of them are legitimate and they really do want to help people from all types of situations. However, there are scams and you don’t want to risk them getting their hands on your personal information. Never pay funds to get an application or other types of scenarios.

Simple Process

You can either apply for a personal loan with bad credit online or in person. Online allows you to do so in private and any time of the day or night. They can send you a check to deposit at your bank or deposit the funds into your bank account electronically. With a walk-in place, you can leave with cash or a check in hand.

Once you decide who you are going to apply with, it is very simple. There isn’t a mountain of paperwork to fill out or documents to give. You don’t have to wait long to get a reply either. When you apply for a personal loan with bad credit, you will give your personal information and contact details. You will include information about your income.

Other information may be requested depending on the lender you apply with. Most of them let you know what they will need before you apply. Make sure you read through those details so you can apply with a lender who can get you approved. For example, some accept only income from a job and others accept all types of income. Even if you are self-employed, you can find lenders.

Include information about how much you need to borrow when you apply for a personal loan with bad credit. The lender will look at the information and decide if they can extend the credit to you. This includes how much they can offer you, the repayment schedule, and when you will get the money.

If you accept the offer, you are bound by those conditions. You are legally responsible to pay back what you borrow including the assigned interest. You never have to show to the lender what you plan to use the money for. Paying the money back on time can help you to rebuild your credit. Paying it off faster than required can help you to save money too.

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The Voyage in Becoming a Virtual Assistant

The voyage in becoming a virtual assistant is a joy ride. Everyone will undergo challenges in the first few steps especially if they are not computer savvy. Being in this line of business, you need to be up to date with the technology because if not you will say” how they do it?” or you will utter” I think that’s difficult” but the truth is it is just simple actions that we need to learn so that we can get along with the millennials. So let us start two basic things that we think that it is not important but needed in becoming a VA.
1. Facebook: What is your account title used on this site? Is it your real name or a different one that you just made up? Okay, let us begin with that when you’re trying to look for a job, and you’re using a different name that cannot be found easily on the internet then your client will think that it is a scam that you are not a real person. That’s why you need to correct it and to indicate your first and last name and also be careful in all your posting because it will reflect your reputation. Most people today will upload everything on social media like when you’re going to a party and drink liquor, as much as possible avoid posting it because the client might think that you are an alcoholic and not capable of the job. So be careful with it.
2. Email: This kind of communication is bit disregarded nowadays because of the availability of Messenger, Skype, Viber and many others but in the business world this conveyance is important. They used it to impart information to the consumer or client about the service or product that the company provides. That is how important it is to them, so how about you is email is it still working or have you still remember the password? Let us talk about it, now make also your email profile like a professional such as indicating your full name. You must also be familiar with how to use the “cc: CARBON COPY” or the “bcc: BLIND CARBON COPY” to keep all information secure.

Those are the starting point we need to improve first because we thought it’s fine that we a made our social media account under a different name but in the business world that’s not good. For example, there will be an interested client that want to hire you, but they will do a background check first if you are visible on the internet, so you already know what will happen if they will look for your name in the web. The sad thing will happen is that you lose the opportunity. I am making this awareness only for those who are planning to start a home-based career because they might be like me doesn’t know about it. Those things that I say are the start of my voyage in becoming a virtual assistant. We can do it, guys!

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Virtual Assistant Work Advantages

Nowadays, this generation is a fast-paced development in the field of internet computer technology. Wherever we go traveling around the world, most people engaged in technology like using gadgets such laptops and cellphones because it gives benefits to them and makes them do something comfortable, convenient and no hassle at all. We can overview that the world is revolving through the use of computer technology and it’s very demanding today. We have also to adopt the changes, learn more new things and new ideas related to technology. And we have to upgrade ourselves as technology do.

Many University schools offer a course related to Computers such as Information Technology (IT), Computer Programming, Computer Science, Computer Engineering and a lot more. Some of us will choose in any of these courses because it has many advantages and benefits we can gain as we apply to big companies and for abroad also with highly paid salaries. But these days, many of us prefer to work at home for convenience, have spare time with family, efficient money-saving and no struggling to commute to go for work. Fortunately, everybody can avail the opportunity to work on the internet even though without any degree holder as long as we have the profound skills and knowledge about computer.

Virtual Assistant Work is very highly in demand today because we are interconnected throughout the world through this computer age. Especially if we have a variety of skills to showcase or provide to the clients. Most clients are seeking a multi-skills virtual assistant to help conveniently build their online businesses grow.

Here are the Benefits of Virtual Assistant Work:

CREATE OWN TIME. Work at home is the excellent opportunity for us because we are creating and managing our own time without a boss, or a manager who guarded our time when we get late in our designated workplace. Doing this job as a virtual assistant needs to create time methodically because we are accountable for the specific time tasks given to us by our clients.
CREATE GOOD INCOME. The best thing about working as a virtual assistant, we become more enthusiastic to do our job and eager to earn more money especially if it is our passion and desire. Having a lot of skills online is highly beneficial for us because it will generate more money.
CREATE SELF-DEVELOPMENT. Being a virtual assistant helps build self-confidence and self- disciplined, and helps improve our skills and knowledge as well. At first, stepping into the unknown is quite uneasy. However, it challenges us to strive more to learn new things, applied work ethics and unique strategies so that many potential clients will value our worth and we get excellent reviews from them.
CREATE OWN VERSION. In virtual assistant work, advantages are a lot more. If we pursue a career which is a desire in our heart, we will do our best to achieve it. Like setting up own VA offices for business, and the passion for becoming a coach or mentor to help others is the best way to be our own greatest version.

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How to Plan a Family Holiday Without the Headaches

Bring the entire crew together for an adventure abroad or just down the street for an unforgettable holiday experience – it can be a daunting process. Deciding the best plan of action for to make it all run smoothly is certainly a challenge. However, with the proper advice, planning a trip, complete with family holiday insurance and an exciting and fun itinerary, is a simple and satisfying way to enhance the lives of every member, no matter their age.

Gather the ‘Troops’

Everyone can participate in the initial planning of a holiday. First, brainstorm the best options for destinations considering time and budget. Think of a few that could work at a stretch and others that might be more reasonable and grade them accordingly. Then choose what type of activities the group as a whole might be interested in: are you more hikers, beach goers or foodies? This can help narrow down the list. Let even young children offer their opinions too; encourage them to look at books to help pick a destination. Older children or teens will love feeling part of the organisational team, especially if they also get input on specific tours, restaurants or hotels booked. While the younger members won’t be involved in choosing the best family holiday insurance policy, it’s not a bad idea to explain to them its purpose so they get used to the concept.

Prepare For It All

As opposed to the freedom of a solo traveller, keeping a whole family crew in line can be difficult. There are more suitcases, tickets, tears, toilet stops and photo opportunities along the way, all of which need to be handled seamlessly. To streamline things from the very start, take packing seriously and have each member responsible for their own bag, if age appropriate. Keep snacks, minor first aid materials and breathable clothing in every bag, ready to go at a moment’s notice. Research your final destination ahead of time to gather facts and work out if any specialise items/clothing etc may be needed. Things like learning a few phrases in the local language, knowing typical weather patterns and any safety precautions are key too. Surprise is half the fun on holiday, but all excitement ends if someone is missing a favourite item, gets injured, or falls ill without the right game plan to help in the situation.

Add Backup

Packing and reading up on your destination are not the only ways to stay ready for anything. Leave contact info with friends or family at home in case any issues should arise. Have extra copies of identification, passports and other useful information (like business cards from your accommodation) in easily accessible places in case anything (or anyone) gets lost. Family holiday insurance can be greatly beneficial in times of emergency and inconvenience on the road – but it’s important everyone on the trip understands how to utilise it. Ensure older children know the whereabouts of all important documents.

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Family Office Advisor – A View of the Industry

What I wanted to do is provide you with a view of the forest as a family office advisor. There is a financial times article that came out recently that had some numbers in it about the industry that I did not really agree with. At lots of conferences I hear people say things I do not really agree with about the industry. I have met in person face to face with over a thousand family offices now, I know over 50 billion dollar families. So we have a lot of perspective of the forest of what is going on within the industry.

I wanted to share some of the advice with you here so you can hear from somebody directly who has focused his whole life on the industry. First of all, there are over 10,000 offices globally. I heard a well-respected organization say recently that there are only one hundred in Asia and I know that there are well over one hundred in Singapore alone. Hong Kong is a big competitor and are many being started in China as well. Part of it depends on your definition of a single family office, but there are many throughout the world. I would estimate there to be over 10,000 globally and the industry is really thriving.

What I want to focus on now a few quick bullet points and a 10,000 foot perspective of what is going on within this space.

Globally the industry is thriving, but some people in local geographies feel like it is moving very slowly for them. I was recently in Toronto to speak at an event and people were saying that in Canada they feel like thendustry is pretty new there, but people have been saying that for ten years.
There are only two to three formal family offices publicly known in Prague, but there are quite a few that are not publicly known. It is moving slowly in countries like the Czech Republic, Turkey, and even in is moving slowly for the amount of wealth that is there. It is thriving, but in certain geographies it is a slow process.
There is a big private banking vs family office turf war going on. Places like Singapore and Hong Kong there are big battles. Private banks try to keep the assets within their reach. As a result, private banks have been launching family office platforms for their private banks.
Talent is very scares in the industry. Family office executive search needs are growing, as well as family office recruiting and recruitment needs.
Single family offices are doing more co-investing and direct investing. They are really taking matters into their own hands after 2008 to 2011 economic crash.
In the future what we are going to see are more industry expansion globally, more single family offices, direct investing and co-investing investment clubs, and more formalization of the industry. There will be whole training programs, associations, and books on single family offices.
As the industry matures globally, what we are going to see is a much greater pool of talent and professionals working in the space. If you are a financial advisor, that is good news. But if you are an ultra wealth professional looking for solution within the industry, you might have to wait until one is available locally for you. If you are looking for resources in the space there is more available every single day.
That’s a quick overview of family office advisory insights from my perspective from working with many different families. There is a great need to provide more transparency and knowledge in the industry. I see my role as connecting people together and to connect people with the knowledge they need to survive within the industy. To succeed in the space it is paramount that you seek out as much knowledge and certifications within the industry as possible.

To succeed you must wear many different hats and it is ideal to be able to handle whatever is thrown your way. Networking for the long term is key to advancing up the ranks. Many of the people that are helping me out right now have known me for seven years; they knew me as I started my business. If you network with people for the long term, respect their time, be organized and prepared, give them resources all the time that will help them in the long term. There are many netowrking conferences and workshops to attend to get more exposure.

Be a student of the industry. I do not see this very often. Many people come to me, and even though they have seven years of experience being an analyst, they haven’t really studied the industry very much and they haven’t really dug into it. There are only about thirty books ever written about the space and I own and have read every one of them. I encourage you to do the exact same thing. If you are serious about the industry, invest the money to acquire all those books and read them front to back. Know the industry that you are working in, you will find that nobody else really does that and that will really move you past everyone else. You will have the understanding an knowledge that will help you maneuver the industry. Knowledge is power, and it is very powerful within this space.The more you give away and be helpful to everyone in the industry, the more it will come back to you full circle.

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Gearing Up for Your Busy Season

I know for those of you who provide outdoor services, such as landscapers, remodelers, irrigation specialists and others, as the weather starts to warm up, your calls and business see a significant up-tick, which is great. However, sometimes it can be overwhelming. A key to smoothing out some of the overwhelm is to have systems in place BEFORE you get busy. So here are some suggestions:

Estimates – Many of you create estimates. Certainly any estimates that lead to work want to be in your QuickBooks, even if you don’t create the original estimate in QuickBooks. Since the type of work varies, you may find you want estimates ready to go for different types of jobs. You can do that by memorizing multiple estimates for the different types of jobs and then quickly grabbing the one you need at the time. You can then revise as needed.

Invoices – You might offer both regular maintenance of some kind, whether it be weekly, monthly or every so many weeks, but you also offer other services such as repairs, clean-ups or projects. Know the best way to invoice for those different types of services. Perhaps invoicing off your estimate is the simplest for contract work, or if you invoice for time and materials or per visit, you can quickly pull the billable costs into the invoice. Some of you may have 3rd party software feeding into your timesheets and /or invoicing. In Premier and Enterprise you can even create batches of time and expense invoices (and go back and edit any if need be).

If everyone is billed for the same service, same rate, same quantity, you can create batches of invoices but key in the data only once.

Templates – You can use multiple templates. There are pros & cons to that. One “pro” is that the template can have different text and columns so it can fit the type of product or service for which you are invoicing. A “con” would be that you need to pay attention to which template is being used for the transaction.

Groups are a powerful tool in QuickBooks. You can have group Items, group Memorized transactions (e.g. invoices) and group Reports. With Group Items, you simply click on one Item, and you pull in several related Items. You can choose whether or not all those Items appear on your customer’s Estimate or Invoice.

With memorized Group transactions and reports, simply double-click on the name of the group, and all those transactions or reports within that group are quickly created! You can see how these can be a big timesaver when you’re busy.

While ideally you would have set all these systems up during a slower time of year, it’s still worth the time to set them up so you can quickly invoice and monitor your business.

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Benefits of Credit Card Machines for Business

Other than credit card machines, technology has produced many notable effects, including the credit card machine. In the 21st century, people open themselves up to technology from the very center of their being. It has the added benefit of leading to an increase in the use of credit and debit cards. Additionally, the coronavirus’ arrival has also contributed to the increased use of contactless transactions. EMV cards are replacing magistrate premium cards. EMV chip cards give you the ability to make contactless payments. The merchants must have advanced payment terminals to accept such payments.

Credit and debit cards are used almost exclusively in today’s business world. To take your business to the next level, you must associate it with a credit card machine. The processing and payment services you need for online sales include a merchant processor that provides you with an online payment gateway. There will always be online modes that people will prefer to use, regardless of the volume of transactions. As a result, you have to use an advanced piece of equipment, such as a credit card machine, in tandem with your business.


Just because we’re living in the 21st century, it’s impossible to conceive of life without modern technology. A large number of businessmen prefer to stick to established business models. However, sometimes you have to alter your plans according to the current situation. This means that you need to be one step ahead of everyone else in the business. You will lose customers otherwise. An establishment that gets access to a credit card machine will enjoy countless benefits. Listed the benefits; so, don’t miss the following:

Obtain Legal Recognition for Your Company:

Accepting card payments using digital payment terminals is a legitimate business practice, so it should help your company a lot. The card brand name will be printed on the POS, and thus the customers will have no problem noticing it. This logo will be featured on the same online marketplace as well. The greater the number of customers from outside the country, the more money you’ll make.

Increase Your Profitability:

To accept various forms of payment, like credit cards, Google Pay, Apple Pay, and more, use a credit card machine at your business. Creating a positive impression on your customers is quite simple, but it also keeps your customers loyal. A credit card machine, thus granting flexibility in the ecosystem of online payment, provides customers with many payment options, thus allowing them to pay bills in various ways.

How to stay ahead of the competition:

Many businessmen have not yet fully embraced digital equipment, making small-business models in the early stages of transition. To accept online payments, your business equipment must be upgraded. If customers are no longer carrying cash, you can outpace your competitors. Research has shown that when customers use their cards to make a purchase, they spend more. Additionally, because you will make a substantial profit from accepting card payments, it’s highly recommended that you do so.

Cash Flow Improving Measures:

The customers’ card payments get settled quickly when they pay with a card. Everything is done electronically, so you don’t have to go to the bank to deposit the money. Additionally, you don’t have to wait for customers to pay you. Your cash flow will thus improve.

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Are You Choosing the Right Stock Market Advisory Company

What do you do if you want to learn driving a car? You will try to find an expert teacher, isn’t it? You do not want to avail the services of a novice individual to help you out, but a professional person can provide you the vital tips and most importantly guide you efficiently. Similarly, when it comes to investing in the stock market for the first time, you require a knowledgeable advice to attain your financial goals and get profitable returns.

If you are a beginner, then it is quite obvious that you may be having no information about the process of buying the right shares in the market. In such a situation, getting the right tips from an experienced financial advisor or a registered advisory company will truly prove to be a great blessing in disguise. However, there are some of the important things that have to be kept in mind while choosing the top stock market advisory company, which are as follows:

How much assistance do you actually require?

Before you make up your mind to hire an advisor, it is imperative that you must first decide about the kind of service you require from them. You may need their help at the beginning or during the time of any issues. This is because an advisor has to formulate a map according to your requirements. Hence, it is suggested to ascertain your needs first and then take further action.

Choose a top ranked advisory company

It is a very important point that has to be taken into the consideration. Availing services of the well known advisory company or a financial advisor is an absolute necessity. Make it a point to carry out a proper background or research work about the company. Check out their credentials, reputation, experience, etc before hiring them.

Asking for a sample financial plan initially makes sense

When hiring a financial advisor, then do not forget to ask for sample plan first. It is imperative to note that there is no such thing called the perfect plan. A sample plan will help you to determine whether an advisory company is actually making sense according your requirements or not.


The financial planners or advisory companies can really turn out to be the greatest asset for you if you choose the best one. They are just like the professional sailors who can help you out to sail through stock investment related problems quite efficiently.

Deepak is a financial advisor who likes to provide quality tips to the people facing any issues with regard to investing in the stock market. He likes to keep himself updated about the stock market by reading articles, news and blogs, etc.

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