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by eric731

Getting a Personal Loan

Article by Terry Daniels

When you are in a bind and find you are short on cash, a personal loan may be an option for you. There are other options and this may, or may not be, the best choice for you.

So it is important to understand what a personal loan is before taking one out.Personal loans are unsecured. There is no property, such as a home, offered as collateral. This is a key difference between personal loans and other types of loans.

Rates are typically higer. Because they are unsecured, interest rates for personal loans are higher than secured loans (such as a mortgage or home equity loan). Still, they are lower than credit card rates — after the credit card’s initial teaser rate, that is.

They have a fixed term. A personal loan can be due at the end of a set term, in which case the interest rate is fixed.

Revolving credit is sometimes offered. Some personal loans work as revolving lines of credit similar to credit cards. In this case, the interest rate is variable.

If you don’t own a home, or you don’t have much equity in your home, a personal loan may be your best choice if you are in need of money. If you get a personal loan with a fixed rate and term, it forces you to be disciplined and pay the loan off within the specified time frame unlike a credit card, which tempts you to continue spending.

Also, the interest rate on a personal loan is usually lower than that of a credit card, although the credit card’s initial teaser rate may be lower. A personal loan has some disadvantages to consider. For example, the interest payments are not tax deductible, while the interest on a loan secured with property usually is.

Also, rates can easily be over 10 percent on a personal loan. Mortgages and home equity loans are usually closer to 6 percent. Therefore, you end up paying far more on a personal loan than you would on a home equity loan for the same amount.

Still, in some situations, a personal loan is the best option. If that is the case for you, be sure to consider your options carefully. Compare products from several different lenders.

You can find several lenders online to compare, or you can get out your local phone book and start calling to get quotes on loans. Either way, you need to make an educated decision before going with a loan.

Like groceries, you will have many choices and after reading labels and checking prices, you pick the one that works best for you.

A secured loan is guaranteed by property and, therefore, has a lower interest rate. For example, a mortgage is a secured loan, guaranteed by the home itself. If the borrower defaults on the loan, the lender can take possession of the home to recoup the money on the defaulted loan. The fact that the lender has the collateral in case of default is part of what drives down interest rates on secured loans.

In addition, the very fact that the borrower’s home is used as collateral ensures the lender that the borrower intends to repay the loan. Secured loans are considered good risks for lenders, and that is why they come with lower interest rates.

An unsecured loan does not use collateral. Since no property is used to guarantee the loan, it’s a greater risk for the lender.

For example, if a borrower uses a home equity loan to obtain a ,000 loan, the lender can be assured that the borrower won’t default on the loan because it is secured with the home. A personal loan — one without collateral — for the same amount is not as safe for the lender.

Because of this, the lender charges higher interest rates to balance out the greater risk. Even though the interest rates on personal loans are higher than those of secured loans, personal loan interest rates are usually still lower than credit card rates — at least after the initial teaser rates.

If a secured loan is not an option for you, then a personal loan still might be a better choice than a credit card.

About the Author

Terry Daniels has a PHD in financial services and has written hundreds of articles relating to consumer services and cash advance payday loan<a>. He has been a consumer advocate for nearly 25 years.

Contact Info:Terry Danielsterrydaniels@gmail.comhttp://www.checkcity.com

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100 views of Cuba, Dec 2011 – 69

Image by Ed Yourdon
This set consists of what I felt were the best 100 photos of the 3500+ images that I took in Cuba during a weeklong visit in December 2011.

This photo was taken at a neighborhood cock-fight.

***********************

Cuba. For today’s generation of Americans, the notion of traveling to Cuba is probably like that of traveling to North Korea. It’s off-limits, forbidden by the government — and frankly, why would anyone bother? But for someone like me, who spent his childhood in the Cold War era of the 1950s, and who went off to college just after Castro took power, and just before the Bay of Pigs and the Cuban missile crisis, the notion of traveling to Cuba has entirely different overtones.

And yet Cuba is only 90 miles away from Key West (as we were reminded so often in the 1960s), and its climate is presumably no different than a dozen of Caribbean islands I’ve visited over the years. Numerous friends have made quasi-legal trips to Cuba over the years, flying in from Canada or Mexico, and they’ve all returned with fabulous pictures and great stories of a vibrant, colorful country. So, when the folks at the Santa Fe Photographic Workshops sent out a notice in November 2011, announcing a series of photo workshops in Havana, we couldn’t resist the temptation to sign up.

Getting into Cuba turned out to be trivial: an overnight stay in Miami, a 45-minute chartered flight operated by American Airlines, and customs/immigration formalities that turned out to be cursory or non-existent. By mid-afternoon, our group was checked into the Parque Central Hotel in downtown Havana — where the rooms were spacious, the service was friendly, the food was reasonably tasty, the rum was delicious, and the Internet was … well, slow and expensive.

We had been warned that that some of our American conveniences — like credit cards — would not be available, and we were prepared for a fairly spartan week. But no matter how prepared we might have been intellectually, it takes a while to adjust to a land with no Skype, no Blackberry service, no iPhone service, no phone-based Twitter, Facebook, or Google+. I was perfectly happy that there were no Burger Kings, no Pizza Huts, no Wendys, no Starbuck’s, and MacDonalds. There was Coke (classic), but no Diet Coke (or Coke Light). There were also no police sirens, no ambulance sirens, and no church bells. There were no iPods, and consequently no evidence of people plugged into their music via the thin white earplugs that Apple supplies with their devices. No iPads, no Kindles, no Nooks, no … well, you get the picture. (It’s also worth noting that, with U.S. tourists now beginning to enter the country in larger numbers, Cuba seems to be on the cusp of a "modern" invasion; if I come back here in a couple years, I full expect to see Kentucky Fried Chicken outlets on every corner.)

But there were lots of friendly people in Havana, crowding the streets, peering out of windows and doorways, laughing and shouting and waving at friends and strangers alike. Everyone was well-dressed in clean clothes (the evidence of which could be seen in the endless lines of clothing hanging from laundry lines strung from wall to wall, everywhere); but there were no designer jeans, no fancy shoes, no heavy jewelry, and no sign of ostentatious clothing of any kind. Like some other developing countries, the people were sometimes a little too friendly — constantly offering a taxi ride, a pedicab ride, a small exchange of the "official" currency (convertible pesos, or "cuqs") for the "local" currency (pesos), a great meal or a great drink at a nearby restaurant or bar, a haircut, a manicure, or just a little … umm, well, friendship (offers for which ran the gamut of "señor" to "amigo" to "my friend"). On the street, you often felt you were in the land of the hustle; but if you smiled, shook your head, and politely said, "no," people generally smiled and back off.

As for the photography: well, I was in one of three different workshop groups, each of which had roughly a dozen participants. The three dozen individual photographers were well equipped with all of the latest Nikon and Canon gear, and they generally focused on a handful of subjects: buildings and architecture, ballet practice sessions, cockfights, boxing matches, rodeos, fishing villages, old cars, interiors of people’s homes, street scenes, and people. Lots of people. As in every other part of the world I’ve visited, the people were the most interesting. We saw young and old, men and women, boisterous children, grizzled elders, police officers, bus drivers, and people of almost every conceivable race.

The streets were clean, though not spotless; and the streets were jammed, with bicycles and motorbikes and pedi-cabs, taxis, buses, horse-and-carriages, pedestrians, dogs (LOTS of dogs, many sleeping peacefully in the middle of a sidewalk), and even a few people on roller skates. And, as anyone who has seen photos of Havana knows, there were lots and lots and LOTS of old cars. Plymouths, Pontiacs, Dodges, Buicks, and Chevys, along with the occasional Cadillac. A few were old and rusted, but most had been renovated, repaired, and repainted — often in garishly bright colors from every spectrum of the rainbow. Cherry pink, fire-engine red, Sunkist orange, lime green, turquoise and every shade of blue, orange, brown, and a lot more that I’ve probably forgotten. All of us in the photo workshop succumbed to the temptation to photograph the cars when we first arrived … but they were everywhere, every day, wherever we went, and eventually we all suffered from sensory overload. (For what it’s worth, one of our workshop colleagues had visited Cuba eight years ago, and told us that at the time, there were only old cars in sight; now roughly half of the cars are more-or-less modern Kia’s Audis, Russian Ladas, and other "generic" compact cars.)

The one thing I wasn’t prepared for in Havana was the sense of decay: almost no modern buildings, no skyscrapers, and very little evidence of renovation. There were several monstrous, ugly, vintage-1950s buildings that oozed "Russia" from every pore. But the rest of the buildings date back to the 40s, the 30s, the 20s, or even the turn of the last century. Some were crumbling, some were just facades; some showed evidence of the kind of salt-water erosion that one sees near the ocean. But many simply looked old and decrepit, with peeling paint and broken stones, like the run-down buildings in whatever slum you’re familiar with in North America. One has a very strong sense of a city that was vibrant and beautiful all during the last half of the 19th century, and the first half of the 20th century — and then time stopped dead in its tracks.

Why that happened, and what’s being done about it, is something I didn’t have a chance to explore; there was a general reluctance to discuss politics in great detail. Some of Havana looks like the less-prosperous regions of other Caribbean towns; and some of it is presumably the direct and/or indirect result of a half-century of U.S. embargo. But some of it seems to be the result of the collapse of the Soviet Union in the early 1990s, and the subsequent collapse of foreign aid that Cuba depended upon.

As for my own photos: I did not attend the ballet practice sessions, nor did I see the rodeo. I did see some interesting graffiti on a few walls, which I photographed; but for some reason, I missed almost all of the numerous political billboards and stylized paintings of Che Guevera on buildings and walls. What I focused on instead was the "street scenes" of people and buildings, which will hopefully give you a sense of what the place is like.

Enjoy!

100 views of Cuba, Dec 2011 – 48

Image by Ed Yourdon
This set consists of what I felt were the best 100 photos of the 3500+ images that I took in Cuba during a weeklong visit in December 2011.

I took this photo at the entrance of a church that we ducked into during a gentle rainstorm one morning…

***********************

Cuba. For today’s generation of Americans, the notion of traveling to Cuba is probably like that of traveling to North Korea. It’s off-limits, forbidden by the government — and frankly, why would anyone bother? But for someone like me, who spent his childhood in the Cold War era of the 1950s, and who went off to college just after Castro took power, and just before the Bay of Pigs and the Cuban missile crisis, the notion of traveling to Cuba has entirely different overtones.

And yet Cuba is only 90 miles away from Key West (as we were reminded so often in the 1960s), and its climate is presumably no different than a dozen of Caribbean islands I’ve visited over the years. Numerous friends have made quasi-legal trips to Cuba over the years, flying in from Canada or Mexico, and they’ve all returned with fabulous pictures and great stories of a vibrant, colorful country. So, when the folks at the Santa Fe Photographic Workshops sent out a notice in November 2011, announcing a series of photo workshops in Havana, we couldn’t resist the temptation to sign up.

Getting into Cuba turned out to be trivial: an overnight stay in Miami, a 45-minute chartered flight operated by American Airlines, and customs/immigration formalities that turned out to be cursory or non-existent. By mid-afternoon, our group was checked into the Parque Central Hotel in downtown Havana — where the rooms were spacious, the service was friendly, the food was reasonably tasty, the rum was delicious, and the Internet was … well, slow and expensive.

We had been warned that that some of our American conveniences — like credit cards — would not be available, and we were prepared for a fairly spartan week. But no matter how prepared we might have been intellectually, it takes a while to adjust to a land with no Skype, no Blackberry service, no iPhone service, no phone-based Twitter, Facebook, or Google+. I was perfectly happy that there were no Burger Kings, no Pizza Huts, no Wendys, no Starbuck’s, and MacDonalds. There was Coke (classic), but no Diet Coke (or Coke Light). There were also no police sirens, no ambulance sirens, and no church bells. There were no iPods, and consequently no evidence of people plugged into their music via the thin white earplugs that Apple supplies with their devices. No iPads, no Kindles, no Nooks, no … well, you get the picture. (It’s also worth noting that, with U.S. tourists now beginning to enter the country in larger numbers, Cuba seems to be on the cusp of a "modern" invasion; if I come back here in a couple years, I full expect to see Kentucky Fried Chicken outlets on every corner.)

But there were lots of friendly people in Havana, crowding the streets, peering out of windows and doorways, laughing and shouting and waving at friends and strangers alike. Everyone was well-dressed in clean clothes (the evidence of which could be seen in the endless lines of clothing hanging from laundry lines strung from wall to wall, everywhere); but there were no designer jeans, no fancy shoes, no heavy jewelry, and no sign of ostentatious clothing of any kind. Like some other developing countries, the people were sometimes a little too friendly — constantly offering a taxi ride, a pedicab ride, a small exchange of the "official" currency (convertible pesos, or "cuqs") for the "local" currency (pesos), a great meal or a great drink at a nearby restaurant or bar, a haircut, a manicure, or just a little … umm, well, friendship (offers for which ran the gamut of "señor" to "amigo" to "my friend"). On the street, you often felt you were in the land of the hustle; but if you smiled, shook your head, and politely said, "no," people generally smiled and back off.

As for the photography: well, I was in one of three different workshop groups, each of which had roughly a dozen participants. The three dozen individual photographers were well equipped with all of the latest Nikon and Canon gear, and they generally focused on a handful of subjects: buildings and architecture, ballet practice sessions, cockfights, boxing matches, rodeos, fishing villages, old cars, interiors of people’s homes, street scenes, and people. Lots of people. As in every other part of the world I’ve visited, the people were the most interesting. We saw young and old, men and women, boisterous children, grizzled elders, police officers, bus drivers, and people of almost every conceivable race.

The streets were clean, though not spotless; and the streets were jammed, with bicycles and motorbikes and pedi-cabs, taxis, buses, horse-and-carriages, pedestrians, dogs (LOTS of dogs, many sleeping peacefully in the middle of a sidewalk), and even a few people on roller skates. And, as anyone who has seen photos of Havana knows, there were lots and lots and LOTS of old cars. Plymouths, Pontiacs, Dodges, Buicks, and Chevys, along with the occasional Cadillac. A few were old and rusted, but most had been renovated, repaired, and repainted — often in garishly bright colors from every spectrum of the rainbow. Cherry pink, fire-engine red, Sunkist orange, lime green, turquoise and every shade of blue, orange, brown, and a lot more that I’ve probably forgotten. All of us in the photo workshop succumbed to the temptation to photograph the cars when we first arrived … but they were everywhere, every day, wherever we went, and eventually we all suffered from sensory overload. (For what it’s worth, one of our workshop colleagues had visited Cuba eight years ago, and told us that at the time, there were only old cars in sight; now roughly half of the cars are more-or-less modern Kia’s Audis, Russian Ladas, and other "generic" compact cars.)

The one thing I wasn’t prepared for in Havana was the sense of decay: almost no modern buildings, no skyscrapers, and very little evidence of renovation. There were several monstrous, ugly, vintage-1950s buildings that oozed "Russia" from every pore. But the rest of the buildings date back to the 40s, the 30s, the 20s, or even the turn of the last century. Some were crumbling, some were just facades; some showed evidence of the kind of salt-water erosion that one sees near the ocean. But many simply looked old and decrepit, with peeling paint and broken stones, like the run-down buildings in whatever slum you’re familiar with in North America. One has a very strong sense of a city that was vibrant and beautiful all during the last half of the 19th century, and the first half of the 20th century — and then time stopped dead in its tracks.

Why that happened, and what’s being done about it, is something I didn’t have a chance to explore; there was a general reluctance to discuss politics in great detail. Some of Havana looks like the less-prosperous regions of other Caribbean towns; and some of it is presumably the direct and/or indirect result of a half-century of U.S. embargo. But some of it seems to be the result of the collapse of the Soviet Union in the early 1990s, and the subsequent collapse of foreign aid that Cuba depended upon.

As for my own photos: I did not attend the ballet practice sessions, nor did I see the rodeo. I did see some interesting graffiti on a few walls, which I photographed; but for some reason, I missed almost all of the numerous political billboards and stylized paintings of Che Guevera on buildings and walls. What I focused on instead was the "street scenes" of people and buildings, which will hopefully give you a sense of what the place is like.

Enjoy!

100 views of Cuba, Dec 2011 – 62

Image by Ed Yourdon
This set consists of what I felt were the best 100 photos of the 3500+ images that I took in Cuba during a weeklong visit in December 2011.

This was taken on the Prado, as the young boy and girl walked past a display of art-work that was part of an art fair…

***********************

Cuba. For today’s generation of Americans, the notion of traveling to Cuba is probably like that of traveling to North Korea. It’s off-limits, forbidden by the government — and frankly, why would anyone bother? But for someone like me, who spent his childhood in the Cold War era of the 1950s, and who went off to college just after Castro took power, and just before the Bay of Pigs and the Cuban missile crisis, the notion of traveling to Cuba has entirely different overtones.

And yet Cuba is only 90 miles away from Key West (as we were reminded so often in the 1960s), and its climate is presumably no different than a dozen of Caribbean islands I’ve visited over the years. Numerous friends have made quasi-legal trips to Cuba over the years, flying in from Canada or Mexico, and they’ve all returned with fabulous pictures and great stories of a vibrant, colorful country. So, when the folks at the Santa Fe Photographic Workshops sent out a notice in November 2011, announcing a series of photo workshops in Havana, we couldn’t resist the temptation to sign up.

Getting into Cuba turned out to be trivial: an overnight stay in Miami, a 45-minute chartered flight operated by American Airlines, and customs/immigration formalities that turned out to be cursory or non-existent. By mid-afternoon, our group was checked into the Parque Central Hotel in downtown Havana — where the rooms were spacious, the service was friendly, the food was reasonably tasty, the rum was delicious, and the Internet was … well, slow and expensive.

We had been warned that that some of our American conveniences — like credit cards — would not be available, and we were prepared for a fairly spartan week. But no matter how prepared we might have been intellectually, it takes a while to adjust to a land with no Skype, no Blackberry service, no iPhone service, no phone-based Twitter, Facebook, or Google+. I was perfectly happy that there were no Burger Kings, no Pizza Huts, no Wendys, no Starbuck’s, and MacDonalds. There was Coke (classic), but no Diet Coke (or Coke Light). There were also no police sirens, no ambulance sirens, and no church bells. There were no iPods, and consequently no evidence of people plugged into their music via the thin white earplugs that Apple supplies with their devices. No iPads, no Kindles, no Nooks, no … well, you get the picture. (It’s also worth noting that, with U.S. tourists now beginning to enter the country in larger numbers, Cuba seems to be on the cusp of a "modern" invasion; if I come back here in a couple years, I full expect to see Kentucky Fried Chicken outlets on every corner.)

But there were lots of friendly people in Havana, crowding the streets, peering out of windows and doorways, laughing and shouting and waving at friends and strangers alike. Everyone was well-dressed in clean clothes (the evidence of which could be seen in the endless lines of clothing hanging from laundry lines strung from wall to wall, everywhere); but there were no designer jeans, no fancy shoes, no heavy jewelry, and no sign of ostentatious clothing of any kind. Like some other developing countries, the people were sometimes a little too friendly — constantly offering a taxi ride, a pedicab ride, a small exchange of the "official" currency (convertible pesos, or "cuqs") for the "local" currency (pesos), a great meal or a great drink at a nearby restaurant or bar, a haircut, a manicure, or just a little … umm, well, friendship (offers for which ran the gamut of "señor" to "amigo" to "my friend"). On the street, you often felt you were in the land of the hustle; but if you smiled, shook your head, and politely said, "no," people generally smiled and back off.

As for the photography: well, I was in one of three different workshop groups, each of which had roughly a dozen participants. The three dozen individual photographers were well equipped with all of the latest Nikon and Canon gear, and they generally focused on a handful of subjects: buildings and architecture, ballet practice sessions, cockfights, boxing matches, rodeos, fishing villages, old cars, interiors of people’s homes, street scenes, and people. Lots of people. As in every other part of the world I’ve visited, the people were the most interesting. We saw young and old, men and women, boisterous children, grizzled elders, police officers, bus drivers, and people of almost every conceivable race.

The streets were clean, though not spotless; and the streets were jammed, with bicycles and motorbikes and pedi-cabs, taxis, buses, horse-and-carriages, pedestrians, dogs (LOTS of dogs, many sleeping peacefully in the middle of a sidewalk), and even a few people on roller skates. And, as anyone who has seen photos of Havana knows, there were lots and lots and LOTS of old cars. Plymouths, Pontiacs, Dodges, Buicks, and Chevys, along with the occasional Cadillac. A few were old and rusted, but most had been renovated, repaired, and repainted — often in garishly bright colors from every spectrum of the rainbow. Cherry pink, fire-engine red, Sunkist orange, lime green, turquoise and every shade of blue, orange, brown, and a lot more that I’ve probably forgotten. All of us in the photo workshop succumbed to the temptation to photograph the cars when we first arrived … but they were everywhere, every day, wherever we went, and eventually we all suffered from sensory overload. (For what it’s worth, one of our workshop colleagues had visited Cuba eight years ago, and told us that at the time, there were only old cars in sight; now roughly half of the cars are more-or-less modern Kia’s Audis, Russian Ladas, and other "generic" compact cars.)

The one thing I wasn’t prepared for in Havana was the sense of decay: almost no modern buildings, no skyscrapers, and very little evidence of renovation. There were several monstrous, ugly, vintage-1950s buildings that oozed "Russia" from every pore. But the rest of the buildings date back to the 40s, the 30s, the 20s, or even the turn of the last century. Some were crumbling, some were just facades; some showed evidence of the kind of salt-water erosion that one sees near the ocean. But many simply looked old and decrepit, with peeling paint and broken stones, like the run-down buildings in whatever slum you’re familiar with in North America. One has a very strong sense of a city that was vibrant and beautiful all during the last half of the 19th century, and the first half of the 20th century — and then time stopped dead in its tracks.

Why that happened, and what’s being done about it, is something I didn’t have a chance to explore; there was a general reluctance to discuss politics in great detail. Some of Havana looks like the less-prosperous regions of other Caribbean towns; and some of it is presumably the direct and/or indirect result of a half-century of U.S. embargo. But some of it seems to be the result of the collapse of the Soviet Union in the early 1990s, and the subsequent collapse of foreign aid that Cuba depended upon.

As for my own photos: I did not attend the ballet practice sessions, nor did I see the rodeo. I did see some interesting graffiti on a few walls, which I photographed; but for some reason, I missed almost all of the numerous political billboards and stylized paintings of Che Guevera on buildings and walls. What I focused on instead was the "street scenes" of people and buildings, which will hopefully give you a sense of what the place is like.

Enjoy!