Sunday, September 30, 2012

12 month loans

Loans, no doubt, have become an indispensable part of human life. With increasing demands that cannot be fulfilled with limited monthly salary you often look for external financial assistance that can be utilized to meet sudden unexpected needs. However, not everyone is fortunate enough to zero-in on a deal that provides instant cash. With sole objective to offer monetary aid to all types of customers, financial market of the United Kingdom has crafted 12 month loans. These loans are a short-cut to bid goodbye to all your worries. So, your long list of wants is no more a dream as these loans come to your rescue just at the right time.

Applying for this amazing loan facility has never been so quick and easy. Shop online to fetch some of the best deals and bring back your financial life right away. Virtual world of internet offers some of the best deals that suit your pocket as well as existing requirements. Intense competition amongst lenders has proved beneficial for borrowers for they have an option to select from range of options available. You will find one lender offering low interest rates and other offering loans on easy and flexible repayment terms.

These loans are sanctioned for tenure of a year or twelve months. You can fetch this loan under both the unsecured and secured format. Under secured format a borrower has to pledge some valuable asset or property as collateral with the money-lender. Loan amount issued depends upon the evaluation of the valuable assets placed as security. On the other hand is unsecured format that enables you to fetch credit without pledging any type of collateral. Here, total amount approved depends upon your repaying ability and current financial status. Of the two, it is unsecured format that has gained immense acceptance amongst tenants and non homeowners.

Advancing credit through this loan facility you can fulfill your entire middle month financial dilemma. Cash issued under it is sufficient to pay for your pending bills, wedding expense, medical needs, vehicle repair, plan a holiday with family, pa your college fees or get a home renovated. You no more have to face the discomfiture of seeking monetary aid from friends and family. Just apply online and let yourself live a peaceful life.

12 month loans can be availed by all without having to get involved in nay kind of paperwork formalities. It is this hassle free approach that has added to the popularity of this wonderful loan facility. As a matter of fact, segment of the population suffering from tainted tags such as arrears, individual voluntary arrangements, late or non payments, bankruptcy, defaults, county court judgments or foreclosures are free to apply for it. So, you can now escape from all your monetary woes within the stipulated time.

Sunday, September 23, 2012

Best Locations In Mumbai To Buy Residential Property

Mumbai-the commercial capital of the country and home to the Indian film industry, has always been a preferred choice for buying, selling or renting properties in India. It is recognized as an IT/ITES hub and this has led to a thriving demand for properties. Despite the skyrocketing real estate prices, the city has something to offer for every class of the society to invest in real estate.

Due to large scale urbanization in the suburbs, Mumbai is expected to see very high demand for residential space of approximately 16.40 lakh units. The mid-scale and affordable housing in suburban and peripheral areas will be the focus of this demand.

The eastern suburban areas of Navi Mumbai, like Kharghar, Airoli, CBD Belapur, and Sanpada which have been getting a lot of infrastructural developments, happen to be good investment options. Rates in Navi Mumbai range between Rs.3000 to Rs.5000 per sq ft. While the North Western and Eastern suburbs continue to be the preferred locations; in Mumbai, the demand has continued and there are some new projects coming up in South Mumbai. Also, Central Mumbai areas e.g. Wadala, Sion etc are coming up with new residential ventures.

Navi Mumbai is getting the larger share of the pie, as most of the real estate projects are coming up here and the prices are affordable as compared to Mumbai. Many options are still available in Mumbai, wherein you can afford to have an abode of your own. Lets have a look at a few of them:

Kurla- One of the major suburb of Mumbai, the suburban railway station lies on the Central and Harbour line. Lokmanya Tilak Terminus lies near to the Kurla Suburban Station, which is a terminus for out passenger/express trains. It has its own railway junction and is 3.5 Kms away from the domestic airport and 13.5-14kms from Mumbai Central and Mumbai CST respectively. The locality has got Engineering Colleges as well, apart from lots of schools and various other educational institutions.

Borivali- The Borivali suburban railway station is on the Western Line. Located in the North-Western Mumbai, it is one of the few places in the world that has got a National park within the city limits-The Sanjay Gandhi National Park. There are a number of well known educational institutions managed by the Franciscan Brothers. The very famous amusement park, "Essel World" and Asia's largest water park "Water Kingdom" are located here. It is at a distance of approximately 18 Km from the airport and 32 Km from the Mumbai Central.

Sion- The Sion suburban railway station lies between Matunga and Kurla on the Central line. There are a few residential projects coming up in this area. The Central Labour Institute is nearby and other schools and colleges are also there. Not only the local trains, but also the Sion BEST bus depot connects it well to other localities like Wadala, Dadar, Antop Hill, Bandra etc.

Vikhroli- This Mumbai suburb has a railway station with the same name on the Central line. Similar to many other areas in Mumbai, it is divided by the railway line between two parts, namely Vikhroli East and Vikhroli West. There has been a proposal for a bridge to be built over Thane creek to Kopar Khairne, Navi Mumbai, the third linkage between Navi Mumbai to Mumbai. It lies between the Ghatkopar and Kanjurmarg Suburban Railway Stations.

Chembur- Located 22 Km to the North-East of Churchgate, Chembur is located in the eastern part of Mumbai. The Suburban Railway station of Chembur is on the Harbour Line. Owing to its central location, it is well connected via roads to Navi Mumbai, Ghatkopar, Sion, Kurla, Mulund, Mankhurd, Panvel and Thane. The NG Acharya Garden or Diamond Garden, Sandu Garden and Pestom Garden. are the major attractions of Chembur. It is about 20 Km from the international airport and 18 Km from the CST railway station.

Jogeshwari- Jogeshwari Suburban Railway station lies on the Western Line between Andheri and Goregaon. Jogeshwari-Vikhroli Link Road or JVLR, as it is popularly known connects it to the central suburb of Vikhroli. The place is mostly inhabited by Muslims and Maharashtrians. The suburb is named after Goddess Jogeshwari. There are some earlier caves in the eastern part of the region, dedicated to Lord Shiva and Goddess Jogeshwari. There are some of the well known schools and colleges in the area.

Ghatkopar- One of the richest suburbs of the city, the place is filled with all kinds of shopping centers, jewelers' shops, cloth shops, eateries etc. It lies on the Central Line of the suburban railway station, between Vidyavihar and Vikhroli. North Bombay Welfare Society High School (Ghatkopar West), Fatima High School (in the border area with Vidyavihar), Gurukul High School (Ghatkopar East), Garodia High School (Garodia Nagar), Ramji Assar High School (Ghatkopar East) area few private schools in the area. For arts, Science, Management, Engineering and Medicine streams, the famous Somaiya family of colleges is here. In addition, the suburb is served by at least three Municipal schools. It lies 6 Km from the international airport and about 18 and 16 Km from CST and Mumbai Central respectively.

Goregaon- It is a major suburban railway station on the Western Line between Jogeshwari and Malad. It is in the northern part of the city and is easily accessible by buses, trains, auto-rickshaws and taxis. Not only has it housed the famous film studios Filmistaan and Film City (in Goregaon East) but also the cinemas like Anupam and Samrat. Goregaon West is known to have most of the shopping centres of the locality. The Western Express Highway and Linking road lie on either side of the area. It is primarily a middle class locality.

Malad- It is well known for Marve/Aksa/Erangal beaches where the famous Raheja group hotels Resort/Retreat are situated. It is on the Western Line of the Suburban Railway between Goregaon and Kandivali. There are a number of shopping centres, markets, theaters etc in the locality. Malad East has many popular housing colonies like Raheja Township, Govind Nagar, Mahindra Nagar and Pratap Nagar. Mahindra Nagar is a clean and green society, which was nominated as the second most pollution-free area in Mumbai by Eureka Forbes after Aarey Colony in Goregaon.

Area-Avg Price/Sqft(INR)-Avg Rent/Sqft (INR)
Kurla(East/West)-6092 / 7688-21 / 29
Borivali(East/West)-6330 / 6884-21 / 18
Vikhroli(East/West)-6051 / 6609-19 / 24
Ghatkopar(East/West)-7458 / 6880-26 / 24
Malad(East/West)-7204 / 5336-24 / 25
Jogeshwari(East/West)-9190 / 7309-32 / 28
Goregaon(East/West)-7605 / 7968-25 / 25

The above localities offer a lucrative option for real estate investments. These are well developed and have a better infrastructure in comparison to the developing Navi Mumbai suburbs. Also, they offer a cheaper rental as well as capital values, when compared to the Mumbai's Golden triangle, Malabar Hill, Breach Candy and Altamount Road and other costly areas, where residential properties sell in the range from 40000-62000 Rs/Sqft .

Thursday, September 20, 2012

Features Of Bin Number List

Bin number list consists of the bin numbers of all debit, credit and charge cards. The list is either computer generated or obtained from financial institutions. The bin numbers can also be obtained from firms which process credit card payments. Bank identification number shortly called us BIN is also known as Issuer Identification Number. This comprises the first four to six digits of the card which when entered in the search column of a bin database yields the information in a format which is easily retrievable and verifiable.


The bin number list is a collection of bin numbers issued by various financial institutions which provide card services. Whether it is a visa, master card, American Express or Deposit cards, the bin number list includes them all.


Considering the issuing institutions, there is a specific range to which the service provider sticks to while issuing cards. Some of the most common providers and their reference ranges are mentioned below.

Visa cards start with a number 4 whereas Master Cards start with numbers from 51 through 55. Diners club cards start with the numbers from 36 to 38. Discover cards begin with 6011 or 65. The American Express cards begin with 34 or 37 whereas JCB cards start with 35. A joint venture of Diners club and MasterCard has issued cards which begin with 35.


The accuracy of bin number list is the most important criterion for a perfect credit card bin search. Most of the licensed versions claim 99% accuracy. Although 100% accuracy is unachievable, with regular updates and original source of data would definitely help to maintain the accuracy.

Ease of search

The bin number list should be in an easy format allowing a flexible search. Most bin databases allow an easy search which requires only the entering of the first six digits of the card. The bin number list should be relatively simple and organized so that the search is relatively easier.


The records associated with the bin numbers in the bin number list should be uniform. For example, the banks name should be the same when the issuing bank is same. Some bin databases tend to spell the same bank in different ways. When it comes to automatic filtering of suspicious bin numbers, such disharmony of records can pose a problem for merchants.

Cost effectiveness

A bin database should be cost effective so as to give a reliable bin number list and associated data. Licensed versions do cost a bit high, but gives the advantage of multiple searches per computer or per network. Free versions do not have such flexibility and are more limited in their bin searches usually up to ten for each network. The number of accurate records also counts towards the cost. However the bin number list should be having the maximum number of bin details at the minimal cost.

Compliance to privacy policies

Most nations have well laid rules on privacy of personal data especially those relating to financial status of the individuals. The bin number lists are perfectly legal to be used in the credit card verification system and hence the merchants need not resort to any measures which are against the law.

Friday, September 14, 2012

Advice On Quick Cash Loans

Borrowing and spending money can carry a lot of risk. If it's your money, the concern is even bigger. With paycheck loans, you want money security. With these quick loans, you want to be smart in handling your money.

Finding a lawful business to borrow from is the first step. If you want to see the business and work with people face to face, going into a personal loan business is a good way to critique it. Analyzing a cash advance site online can be more difficult. The drop in the economy paved the way for more lenders to take advantage of the situation. Borrowing money online is only acceptable if you can depend on the business. One of your requirements should be that the company makes all its lending practices available to you. There should be no hidden fees or charges. You should know all expectations upfront. Only work with the lenders who value openness and honesty.

You should also look for a company with a good history of lending. You want a business that lends money sensibly. The nature of the cash advance system is no excuse for weak principles. The most fit lenders don't make claims that they can't actually meet. Web searches can help you determine which lenders are best. Consumer groups and lawyers are only a couple of the groups who have articles that analyze these kinds of lenders.

No doubt you don't want to be overdue on your payday loan repayment. The nature of the cash advance business is to impose harsh penalties for late payment. Still you should be aware of what the lender is entitled to do and how you should respond. A lender has no legal right to harass or threaten you. It's dangerous to give personal information like a social security number or credit card numbers on the phone. If you ask, legitimate lenders should be willing to send you information in writing. There are several government agencies where you can report illegal practices.

There's one vital key to handling loans: be smart. Don't be afraid to ask questions or do a little research. It's your money, and you can protect it best.

Wednesday, September 12, 2012

Payday Loans Online Payday Loans Assistive Fact

I am sure your quest for Payday Loans Online Payday Loans has come to an end as you read this article. Yes, gone are those days when we have to search endlessly for Payday Loans Online Payday Loans information or other such information like Cash Till Payday Loans, Fast Cash Advance, Fast Payday Advance, Quick Cash Loan California, Online Payday Loan Nevada or even Payday America. Even without articles such as this, with the Internet all you have to do is log on and use any of the search engines to find the Payday Loans Online Payday Loans information you need.

If you do not use your cash advance wisely then you could end up in a much deeper financial hole that could make you believe that you need to get a bigger cash advance or other loans, and then you are on a very dangerous course of action, which will probably lead to bankruptcy. Don't take your money from a Payday Loan and waste it, or you will be in worse shape financially this type of loan should only be used as a last resort when all other types of finance are unavailable to you.

Further extensions require additional payments. The percentage of the additional charges varies for each loan amount. Such charges are levied so that one would pay back the loan without many extensions. These companies help in getting people cash when they need it the most. These companies offer convenient and flexible payment schedules, and also extensions and early loan sanctions, to fit any budget.

Low-cost payday loans are a significant way of getting extra money to cover unforeseen expenses. If you need cash urgently, and you're considering several options to get it, a payday loan company provides you with ultimate service. The key to getting rid of high fees and keeping the loans economical involves borrowing small amounts of money and more importantly repaying on time. If you are not aware about online options, it is advisable to get accustomed with it, as they give you a much lower cost payday loan as compared to traditional lenders.

MEANWHILE -- I hope you have been able to get a full grasp of the main points related to Payday Loans Online Payday Loans or other related Canadian Fax less Payday Loans, Payday Loan Leads, Cash Francisco Instant Loan San, Collateral Loans, Rate Payday Loans and No Tele check Payday Loans in the first half of this article. Whether you answer Yes or No, keep reading as there is a lot more to uncover in this article that will excite you.

First, let's take a look at how payday loans work. Usually the lender will agree to lend you a specified amount of money for a certain period of time. For example, let's say you needed 0 to cover some unexpected expenses. You would borrow the 0 and write out a postdated check for two weeks hence to cover the amount of the loan plus the finance fee, which would be around for this size loan. So, in two weeks the lender expects to be able to cash that check for 0 to recoup the loan extended to you.

Payday cash advance loans are usually extended two weeks more regularly than not, but few lengthen the loans up to 18 days. When the fixed time of the period to reimburse comes around, and you do not have the means to pay back the credit you will pay the finance fee and roll the payday advance over to the next paycheck. The cycle can become disparaging.

As detailed as this article is, don't forget that you can find more information about Payday Loans Online Payday Loans or any such information from any of the search engines out there such as Commit yourself to finding specific information therein about Payday Loans Online Payday Loans, and you will.

A breakdown study shows that payday advances has both positive and negative aspects. Most lenders announce these loans are fast with straightforward approvals and that loan companies will not look at your credit. These are flexible in spirit so the borrower can relax because the transaction is discrete. The bulk of advances is issued to borrowers to assist them in helping everyday expenditure on utilities, such as overdue bills or reconnection fees. Many borrowers employ the advances to cover bounced checks and the bounce fees, which are regularly unreasonably larger than fees on a payday advance.

We discovered that many people who were also searching for information related to Payday Loans Online Payday Loans also searched online for related information such as Quick Payday Loan Without Checking Account, Easy Quick Cash Loan, and even Instant PayDay.