Short Leg

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How The Short Term Bad Credit Loan Works and How to Apply

The consumer with credit problems may often find that obtaining the funding that he or she may need is quite difficult. As a matter of fact, many lenders will not even consider their application, regardless if they possess collateral or not. There are solutions to this problem though. If the funds are only desired for a short duration of time, obtaining a short term bad credit loan may be a viable option. Unlike other types of funding, that may be available; the individual can obtain needed money in a fairly quick time frame and will not have to go through a lengthy application process.

Is Anyone Eligible?

Although the criteria for approval are quite different from that of traditional loans, not everyone that applies will be eligible. This is because the consumer must be able to pay back the amount owed. Despite this, the majority of applications will be approved, regardless of past financing problems. The decision as to whether or not to approve or decline the application is based on factors such as verifiable income and residency, for example. Determining criteria may differ depending on the individual business.

How Much Can Be Borrowed?

The amount of the short term bad credit loan is also based upon the customer's income. In most cases, he or she cannot obtain more than a certain percentage of their income or paycheck. This is due to the fact that the funding is only meant for a shorter duration of time. However, the amount can range from a couple of hundred dollars, to perhaps fifteen hundred or more. This pre-determined maximum bracket is stipulated by the agency that one chooses to do business with.

How Do You Apply?

The application process can usually take place online or in person. While some may prefer to visit a local branch or office, applying online is quick and convenient. Typically, an approval or denial can be determined in an hour or less, with some only taking a few minutes. These companies take great efforts to ensure that personal information is kept safe and secure, regardless of how the customer chooses to apply.

A short term bad credit loan can be a convenient tool. It can provide extra funding when it may be needed the most. The consumer should keep in mind though; this is not intended to supplement regular income and should be used in a responsible manner.

Having bad credit can really stop you from getting the loan you need but sometimes that loan is necessary. To get a guaranteed loan no matter how bad your credit is click here.

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Book Review - A Short History of Nearly Everything by Bill Bryson

I just finished reading (actually, listening to) a scientific book by Bill Bryson, someone I knew nothing about, on a subject that has been - for most of my life - a kind of love/hate relationship. If you want to read a book full of complex scientific and mathematical computations, where its companion title being an unabridged dictionary, look elsewhere. A Short History of Nearly Everything is a book for the rest of us. For all of us.

I've always loved learning about science, but not necessarily doing science. At least, not what I was exposed to as a student K-12 in the American public school system. But this book captivated my attention before I finished the first chapter and I became engrossed and fascinated with the shocking, if not often, hilarious accounts Bryson describes concerning the history of human scientific endeavor.

Reading this book is like wandering through history, somewhat haphazardly, though did I grow tired or bored. It's just so enchanting, how divisive people were (are), and how an individual's life can be summed up in a single sentence, leaving you wondering what else there was. I think this is why I chose history as my specialty in both my undergraduate degree, and now as a graduate student. I am in awe of people who come before me, and now only exist through pictures, remains and through the written record. This book seems to capture the exhilaration I feel.

If you are even remotely interested in scientific topics, this book is a must read. It has re-sparked my love of scientific discovery and enlivened in me a renewed desire to learn more on the subject.

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