Learn about the Advantages of Borrowing from Moneylenders

Whenever you require additional funds for meeting your emergency expenses, it is a good idea to borrow from legally licensed money lenders instead of borrowing from a random lender who is not able to produce any legal documents or valid business license. You must do your homework well before choosing the right moneylender for your loan requirements. Here are the top benefits of borrowing money from a licensed moneylender.

 

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The Process Is Harassment-Free

Only a licensed money lender could provide a stress-free and efficient experience throughout the process right from the submission of the loan application, the waiting period to the final stage of getting the feedback and thereafter, signing your loan contract. The entire process is hassle-free. Moreover, there are absolutely no harassment issues since the licensed moneylenders usually follow the IPTO’s rules while conducting their business. They would not be bombarding you with unreasonable ways of advertising. Most importantly, they would never harass you or use illegitimate means for soliciting loan payments.They would be offering reasonable loan repayment scheme and interest rates.

Damaged Credit Is Not the Deciding Factor

Credit is surely important but it may not be of prime importance. Certain events in life such as divorce, bankruptcy, or business failure could be pretty depressing and affect your way of life. While trying to obtain loans from moneylenders you would realize that business plan and collateral are more crucial to a moneylender in comparison to the credit.

However, if you are approaching a bank and have a low rating, poor credit history, or black marks, your application would be denied straightaway. But this may not happen in case of private money lending. These moneylenders would be examining your credit but they are more interested in a robust equity and an equally strong exit policy. Visit https://www.libertylending.com/ to learn more and to seek perfect professional loan solutions.

Faster Approval

Banks could be delaying the process as they would be requesting for diverse financial documents so that they could be examined before approving or denying the loan request. However, a moneylender would be approving your loan request in no time at all. This is simply because approval would be depending more on your plan to acquire a property, the asset and also your ability to earn profits. The primary advantage would be that you would normally get the money as early as within 24 hours. This would be really beneficial in buying property as sellers would be giving preference to and also accept lower offers if they are sure that they would be getting the funds within two days instead of waiting for one month or so for closing.

Conclusion                                                                                                                                       

So we have come to the conclusion that unlike the banks, the moneylenders ensure that you do not have to go through an unreasonably long waiting process. You would get the requested loan amount in maximum a few days, once your application is approved by the concerned authority. You would be required to submit the essential paperwork. Moreover, there is no reason to feel stressed out if your credit history is not up to the mark. The greatest advantage is that very little paperwork is involved when you borrow from moneylenders.

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Safety Tips When Planning a Party at Home

Hosting a party at home can be guaranteed fun. You can turn the comfort of your home into a vibrant, fun-filled place where people can mingle and have a good time. But regardless of the type of home party it is – whether it's a birthday bash, a retirement dinner, or an anniversary celebration – there can be risks and dangers involved.

As the host planning the party, you need to have extra precautions to ensure the safety of your guests. Here are several safety tips when planning a party at home.

Personal and Community Security

•  If you expect possible noise disturbance during your party, inform your local neighborhood authorities.
•  Make the guest list clear. If it is an exclusive event, ensure that you have people who are in charge of turning gatecrashers away. If it is an open home event, there should still be precautions for possible criminal elements.
• Lock away your valuables. Mobile phones, laptops, cameras, and other expensive gadgets and branded possessions are attractive to thieves. Stow them somewhere safe. You should also have a coat room, and a locked room for valuables, for guests who would like to keep their belongings some place clean and secure.
• Prepare ready access to a phone with the emergency service numbers listed. It should be both visible and accessible by any of the guests.
• Make sure you have insurance.
• All accessible areas should have good lighting.

Personal Health and Safety

• Plan for the number of people attending. There should be sufficient supply of food, non-alcoholic drinks, and toilets.
• Access to open space is also important. While parties are naturally crowded, guests should be able to breathe and relax when they need to. 
• As the host, anticipate a night partying sober. It's your responsibility to ensure the safety of others.
• Create a designated smoking area and secure any out-of-bounds areas. These may include potential hazards like a deep pool, BBQs, and open grills.
• Take extra precautions to ensure no one drives drunk or is left unattended anywhere. You can designate select friends as sober guardians and watchers. 

Home Party Planning with Experts

Leave a good impression of your home and your hosting skills. Anticipate a great party, but also prepare for the worst. Working with event planners can give you a clear picture of potential risks and threats that you might have otherwise missed.

Aside from risk assessment, event planners can help you in overall planning and management. Contact an event planner today!

Written by bleu events, one of the top event planners Columbia, MO has to offer.

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3 Reasons Why You Must Be Part of Your Child’s Development

Childhood is the very first phase of life that we have all gone through. And since it is the first stage of life, it is also one of the most fragile stages where a child develops motor and cognitive skills. Experts advise parents and guardians to be active participants in their children’s development and we are here to tell you why.

Watching your toddler learn how to crawl and finally walk will give you immeasurable joy. Seeing them learn how to communicate and finally express themselves is also satisfying. Below are 3 reasons why it is important for you, as a mom or dad, to be part of this exciting and magical journey. So, (please) keep reading…

• To enhance their motor skills – Children are highly dependent on adults, especially their parents. So, take your place and help your child keep those hands and feet active. It is an important thing to do during their development stage because hand and feet movement boosts the child’s electric motor skills. And to encourage your little one to stay active, learn to reward him/her for his/her initiative and dedication.
• So how do you boost these skills? Start by placing the child’s toys at a reachable distance. Watch the child try to reach for the toy and help them where necessary. However, because once children grab something, they automatically put in their mouth, ensure that they play with clean toys and toys that are big enough to avoid chocking.
• To boost their mental growth – How, you may ask? Well, from a renowned child and family development specialist, you can improve your child’s mental power by letting him/her play with toys of various sizes and shapes. For example, building blocks will be a good start for the child. This will help the child learn how to stack the blocks and he/she might even learn how to group the stacks into same color and designs with time. 
• To improve their control skills – Children need to learn both propulsive and receptive control skills; the skills to reach out for something and to let go off another. For example, your child needs to understand that they should put something they are holding down before they can pick something else. So, during your time with him/her, place two toys in his/her hands. When the child firmly grabs them, introduce a third toy and help him/her learn how to let go of what is in their hands before they can pick something else.

Your child’s growth and development may be at a different pace from a friend’s child. However, as the parent or guardian, being part of their growth and development will boost their confidence in life. Moreover, through all the fun activities that your child will be involved in, you will get to share their happiness and develop a special bond with him/her. So, find all the fun and enjoyable things for your child to do and make this process a pleasant one by joining in on the fun.

 

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