The Art Of Asking By Jeffrey Strain

One of most potent saving tools you possess as a consumer is ability to ask. This ability can easily save you thousands of dollars a year, yet majority of people fail to use it. Most of us are used to walking into an establishment and handing over amount of money indicated for item or service we want to purchase. Some may spend hours researching best deal by going through sale advertisements, comparing prices and doing other research, but few will try to change price once they walk into establishment itself. This is not so for those who are trained in art of asking.

Have you noticed that some people always seem to be able to finagle deals better than you or anyone else you know? Even when you thoroughly research something and think you have received best deal possible, they manage to find a deal even a little better than you were able to get. Although it may seem like they have some magical power to create great deals out of thin air, more likely explanation is that they have mastered art of asking.

The art of asking is nothing more than being curious if there is a better deal out there, and then be willing to ask questions to find out. To illustrate, if you have reserved a hotel room in advance to get best rate possible and you walk up to receptionist to announce your arrival, do you automatically pay price you reserved room for? Although this would seem like obvious step to take, it fails to utilize art of asking.

What would be better is to walk to front desk, announce your arrival, then say, "I think I have best room rate possible, but I am not positive. I am a member of these organizations" and list all of them. Then simply ask, "Is there a better room rate associated with one of these organizations?"

A Secured personal loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime.

Benefits of Secured personal loans include: Lower monthly repayments than unsecured personal loans The ability to borrow more money Spread repayments over a longer period of time More detailed information……

A Secured personal loan is a type of loan available to people with securable assets. Usually these assets take form of property, such as a home; this is why Secured personal loans are often referred to as 'homeowner loans', “home loans” or “second charge loans”.

You do not have to own your own home outright to be able to take out a Secured personal loan; if you have a mortgage you can put proportion of home that you own up as security.

Because a Secured personal loan is secured on property, most lenders will approve your loan even if you have a history of adverse credit such as county court judgements (C.C.J’s), defaults and arrears. This make Secured personal loans very attractive to people who would otherwise not qualify for a loan from their local bank.

You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances. Generally, Secured personal loans tend to be cheaper than unsecured personal loans and other forms of borrowing.

The interest rate for a Secured personal loan depends upon various factors such as amount of money you borrow, length of time and personal details. You can also insure your payments for peace of mind, so you do not have to worry if you lose your job or are unable to work because of accident or sickness.