Here are a few tips to keep in mind when asking if there are better deals out there:

Ask Politely: Being courteous and asking with a smile will go a long way in having person you're talking with want to help you. If you are rude or demeaning in any way, they will have no incentive to try to see if they can get you a better deal. Never forget that you won't be able to get a better deal without their help, so always treat staff as you would want to be treated yourself.

Ask The Appropriate Person: The general rule here is to ask highest level person you can. The higher up chain of command, more flexibility person will usually have in granting any requests you make. If you are planning on buying multiple large appliances and want to ask for a further discount to buy them all from one establishment, a manager will have more authority to make a deal than regular sales staff.

Point Out The Reason: If there is a legitimate reason for you to be asking for an additional discount or other compensation, let person know why. If you saw same item advertised at a competitor for less, say so. If you have consistently been a good and long time customer, mention it. If store or service has failed to provide what you expected, make note of it.

Ask For Advice: If there is something you truly want, but it is beyond your budget, mention this to salesperson and ask their advice on how they would reduce costs associated with what you want. Staff members many times have greater knowledge on subject than yourself and may offer acceptable, less expensive alternatives that you have never considered.

Take The Time To Reward: If a salesperson helps you get a better deal than you expected when you arrived at establishment, reward their effort. Take a few minutes to tell manager what a wonderful job they did or send a letter off to company headquarters mentioning person who helped you. If you frequent store often, employees will know that you reward good service and will go out of their way to help you next time you ask for something.

You should begin asking away. Try to ask if there are better deals at least once a day. The more you practice, better you will become at it, and soon your friends will consider you one of those people who seems to possess magical power of creating great deals out of thin air. Remember that asking costs absolutely nothing and it has potential to save you significant amounts of money in all areas of your life.

Once your Secured personal loan application has been processed and accepted you will be made a no obligation offer. It usually takes around 14 – 28 days for a secured personal loan to be completed. Unsecured Personal Loan:

An Unsecured personal loan is a personal loan where lender has no claim on a homeowner's property should they fail to repay. Instead, lender is relying solely on ability of a borrower to meet their loan borrowing repayments.

The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing money you are borrowing, lenders tend to limit value of unsecured personal loans to £25,000.

The repayment period will range from anywhere between six months and ten years. Unsecured personal loans are offered by traditional financial institutions like building societies and banks but also recently by larger supermarkets chains.

An Unsecured personal loan can be used for almost anything - a luxury holiday, a new car, a wedding, or home improvements.

An Unsecured personal loan is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.

There are a few things to consider before applying for an Unsecured personal loan: Unsecured personal loans are invariably more expensive than secured loans, and repayment periods demanded by lenders are shorter too. This is because they have no guarantee that you can repay loan, and therefore charge you more in interest to cover cost of insurance policies that they need to take out to protect them should you default on repayments. In event that a borrower does not pay up, lender will invoke terms of legally-binding credit agreement and pursue borrower through legal system.

Lenders are obliged by law to tell you how much they charge for this type of finance and this is worked out as an annual percentage rate (APR). Ask whether APR figure quoted is ‘typical' or is what every applicant is charged. You should also investigate whether interest rate charged is fixed for lifetime of loan repayment period, or whether it varies with base rate. Check too on whether there are early repayment penalties.

Unsecured personal loans vary from lender to lender, so it pays to shop around before making a final decision.

You may freely reprint this article provided author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available online loans via the http://www.directonlineloans.co.uk website.