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  Category: Articles » Finance » Debt Consolidation » Article
 

Free Debt Relief!




By Tiara James

Consolidation loans merge all your debts and bills into a single payment.
This means, that if you have several monthly payments or a number of
different loans, you can make things easier by consolidating them and
taking one single loan to pay off the total debt.

Loan market in the UK is swamped with enormous number of loan
options. Different loans have been designed keeping in mind the diverse
needs and expectations of the UK residents.

The payday loan is credited directly into the bank account of the
borrower.

In the first case, the loan is approved quickly because of a special
requirement of borrower. Borrowers, in a few cases require loan urgently.

There are numerous reasons to use a payday loan company. For starters,
cash advance personal loans are short-term loans, thus you do not incur
longstanding finance charges and fees.

After July 8, Pay This Amount... You undoubtedly go through this, too. A
few times a month you gather up the bills coming due and write checks
or pay them online.

As I was doing some bill payments recently, I noticed the tactic one
company uses to get its customers to pay by the due date. It was very
simple: "If you pay by this date, pay this amount. If you pay after this
date, pay this amount."

Now, this was a small bill so the penalty for paying beyond the due date
was just a matter of a few pennies, but still, I got the point.

While other companies might list the late charge in percentage terms, this
one wisely adopted the dollars and cents approach.

We see here a case in which a company crosses the sometimes critical
divide between the abstract and the concrete. Listing a percentage fee
shows the penalty in abstract terms. Listing it in dollars and cents shows
the penalty in concrete terms.

I don't know about you, but I'm certainly more sensitive to the dollars
and cents than to a percentage, if I'm late making my payment. How
about you: would you feel more motivated to pay on time if it costs
$1.17 or if it costs 2.5% per month?

As communicators, we should remain alert to the differences between
the abstract and the concrete. It's sometimes a subtle difference, but a
critical one.

Here are a couple of applications of these differences:

People sometimes wonder about common types of loans, especially with
all of the different types of loans available. Some of these like the credit
check are necessary for determining the reliability of the borrower.

Secured personal loans has three words ¡®secured¡¯, ¡®personal¡¯ and ¡®loans¡¯.
Secured loans are loans which are given after placing a guarantee.

Your car, home or even a saving bank account can work as collateral.
Borrowers with bad credit history have to shell a greater amount because
of the higher interest rates they are offered. When you give instructions,
try to work on the concrete side of the abstract-concrete continuum. For
example, if you ask a subordinate to carry out a task, then provide details
and specifics. In many cases, this might be summed up with four of the
five Ws: Who, What, Where, and When, as well as How (we'll get the
fifth W in a moment).

Or, if you're selling, aim to be more concrete than abstract. For example,
I've been writing short ads for my book about newsletters. In writing
them, I've found that "Communicating for Results" isn't enough by itself --
I need to spell out what those results might be (such as more sales,
greater employee retention, and better membership renewal ratios).

On the other hand, if you want to provide context, you might find it
more productive to move more toward the abstract end of the abstract-
concrete continuum. For example, if you're trying to explain a new
strategic direction for your organization, you might refer to conceptual
issues like positioning and competitive advantage. This, you'll find, is
where Why? -- the fifth W -- fits rather nicely.

In a sales situation, you may want to get a prospect to envision a new
and better future. In that case, too, you would emphasize the abstract,
rather than the concrete. For example, if you're selling a retirement fund,
you would likely emphasize the idea of spending more time on tropical
islands or with family, rather than going into actuarial details. Finally,
remember that abstract and concrete represent two ends of a
continuum, and you can choose any point between them.

Many student loans have a deferred repayment option, allowing the
student to put off repaying the loans until after they've finished school.

Cash advance loan and no fax payday loans are some of the classes of
instant loans that are prevalent nowadays. A payday loan is lent out till
the borrower receives his next paycheque.

Credit card debts can mount up and get out of control quickly, you can
reduce them today! Usually the loan lender is not bothered about the
reason for which you are taking the loan. Some people even take secured
personal loans for things consolidation of credit card debts. Consolidation
of loans undoubtedly constructive but you must learn to never again get
into credit debts again. The loan service is not confined to a group of
people. Lenders in the UK aim to cater to the needs of each and every
individual.

The Federal Direct Subsidized Stafford/Ford Loan is a direct loan, which
means you do not pay the interest on the loan while you are school at
least part-time.
 
 
About the Author
Learn more ways to reduce debts today.

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  Some other articles by Tiara James
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With so much information and beauty contained in so small a package, it is no surprise that coin collecting has been a hobby nearly as long ...

  
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