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skip to navigation skip to content new stitches cracking you up.. menu posted on january 24, 2017 why loan consolidation is never a good idea written by admin posted in hints debt reduction alternatives that provide financial relief loan consolidation is an approach that lets borrowers take out a new loan with a low rate of interest to payoff high interest loans. tightened lending criterion has made it difficult for many people to qualify for loans, so the first thing borrowers need to do is check their credit rating. although loan consolidation can seem like a good idea, it is necessary to figure out the real costs involved with taking out a new financial loan. this is exceptionally crucial when attaining a home equity loan that requires putting real estate up as collateral. any time real estate is used to secure bank financing it is put at risk for foreclosure. it can be extremely risky to use a house and take out a loan to pay off unsecured debts. if homeowners fall behind with home equity loan installments, the loan company can begin taking steps to repossess the real estate. it doesn’t matter if homeowners are current on their first mortgage payment. debt consolidation is often attractive to people struggling to make ends meet because it offers the promise of reduced monthly payments. in actuality, the only thing that is happening is payment terms are prolonged. although borrowers acquire reduced payments interest is assessed on the unpaid balance for a longer time period. extending payment terms can potentially add hundreds of dollars in additional interest. the fact of the matter is loan consolidation can be expensive. when debtors add time to pay off debts they are actually escalating their debt level and removing cash from their own pockets. in lieu of applying for consolidation loans consider spending time researching debt reduction alternatives. reliable resources for taking control of money are suze orman and dave ramsey. both have written numerous books and offer home study courses via their websites. another alternative is to enter into credit counseling. reputable credit counseling agencies offer a range of services to help people overcome debt problems. in some cases, counselors can help consumers negotiate with creditors and obtain reduced interest rates and removal of late fees and penalties. at minimum, credit counselors can help consumers create a debt reduction plan and learn ways to reduce expenses through budgeting . budgeting is one of the most efficient ways to conquer debt troubles, yet does call for fiscal responsibility. one of the biggest mistakes people make is using credit cards for basic expenses than only paying minimum installments. this strategy is certain to keep people held captive to debt for eternity. achieving success with budgeting requires keeping tight reins on expenses and spending less than earned. when expenses exceed income it is imperative to find ways to decrease expenses or earn extra money. an easy way to find out where you stand is to make a list of household earnings and fixed expenses. most people can’t alter their mortgage or rent payment, but there are other areas where costs can be slashed. consider signing up for utility budget plans to stabilize monthly payment amounts. reduce cable or cell phone services to a basic package. buy frequently consumed products in bulk or at the very least, use manufacturer coupons. if you need additional money consider taking a part-time job or engage in bartering techniques to reduce household expenses. with a bit of creative thinking, people can usually find opportunities to decrease expenses or increase cash flow. instead of putting yourself further in debt with loan consolidation, develop a plan to tackle debt head-on. work toward paying off loans with the largest balance first and then focus on smaller loans. always strive to pay loan installments on time to prevent further credit damage. posted on january 21, 2017 homeowner loans – raising finance written by admin posted in hints top tips for applying and finding for a homeowner loan there comes a time in most peoples lives when they need to raise some extra money or finance for whatever reason. if you have a home you may have considered or be considering taking out a homeowner loan. having a homeowner can be perfect for those wanting to raise extra cash but please remember and be aware that if you fail to keep up with repayments on your loan you home could be repossessed and taken away from you. top tip : please remember to get as much information as you can before you sign on the dotted line. so then you have done some research, and realised how big a decision taking out a homeowner loan really is, or more to the point that taking out any type of loan should not be a lightly made decision. having said that if you have decided that a homeowner loan would be the right step for you here are a few tips i suggest you read and take note of before you make your final decision. can you afford to repay the money? will you always be able to afford your repayments, for example what happens if you have a sudden loss or change in income, what happens if one of the chief household income earners gets sick, laid off, or even fired? have you read all of the small print? do you know what position you stand in, do you know your rights, your privileges, legal standing and so on? do you know exactly what you are paying, when and for how long? have you spoken to any friends, family or loved ones about your decision, perhaps they have experience that might help you, or perhaps they may be able to think of other alternative solutions that might suit your situation better? have you, or do you need to seek professional advice? do you fully understand what agreement you will be entering into? have you compared prices, loans and so on from a number of borrowers? have you decided how much money you need to borrow and what the money–finance will be used for? have you sought any independent maybe even free advice from a non interested or non profiting company? have you considered all of the financial options currently available to you at this time? please remember that if you cannot afford to do something then please do not do it. please also note that i am not acting or representing anybody or anyone. i have just given my guidance and opinions with regards to looking around for and finding a suitable homeowner loan that meets and fits your situation and so on. my advice and guidance does not constitute professional legal or financial advice. if you require this type of advice please actively seek it. i wish you luck and success with whatever you choose to do. search for: recent posts why loan consolidation is never a good idea homeowner loans – raising finance recent comments archives january 2017 categories hints meta log in entries rss comments rss wordpress.org

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cobrapaydayloans.co.uk

Whois Information

Whois is a protocol that is access to registering information. You can reach when the website was registered, when it will be expire, what is contact details of the site with the following informations. In a nutshell, it includes these informations;

Domain name:
newstitches.co.uk

Registrant:
Identity Protect Limited

Registrant type:
UK Limited Company, (Company number: 7407280)

Registrant's address:
PO Box 786
Hayes
Middlesex
UB3 9TR
United Kingdom

Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 28-Sep-2017

Registrar:
123-Reg Limited t/a 123-reg [Tag = 123-REG]
URL: http://www.123-reg.co.uk

Relevant dates:
Registered on: 12-Nov-2016
Expiry date: 12-Nov-2018
Last updated: 30-Sep-2017

Registration status:
Registered until expiry date.

Name servers:
anna.ns.cloudflare.com
mark.ns.cloudflare.com

WHOIS lookup made at 21:22:45 24-Nov-2017

--
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:

Copyright Nominet UK 1996 - 2017.

You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REFERRER http://www.nominet.org.uk

  REGISTRAR Nominet UK

SERVERS

  SERVER co.uk.whois-servers.net

  ARGS newstitches.co.uk

  PORT 43

  TYPE domain

OWNER

  ORGANIZATION Identity Protect Limited

TYPE
UK Limited Company, (Company number: 7407280)

ADDRESS
PO Box 786
Hayes
Middlesex
UB3 9TR
United Kingdom
Data validation:
Nominet was able to match the registrant's name and address against a 3rd party data source on 28-Sep-2017

DOMAIN

  SPONSOR 123-Reg Limited t/a 123-reg [Tag = 123-REG]

  CREATED 2016-11-12

  CHANGED 2017-09-30

STATUS
Registered until expiry date.

NSERVER

  ANNA.NS.CLOUDFLARE.COM 173.245.58.102

  MARK.NS.CLOUDFLARE.COM 173.245.59.130

  NAME newstitches.co.uk

DISCLAIMER
This WHOIS information is provided for free by Nominet UK the central registry
for .uk domain names. This information and the .uk WHOIS are:
Copyright Nominet UK 1996 - 2017.
You may not access the .uk WHOIS or use any data from it except as permitted
by the terms of use available in full at http://www.nominet.uk/whoisterms,
which includes restrictions on: (A) use of the data for advertising, or its
repackaging, recompilation, redistribution or reuse (B) obscuring, removing
or hiding any or all of this notice and (C) exceeding query rate or volume
limits. The data is provided on an 'as-is' basis and may lag behind the
register. Access may be withdrawn or restricted at any time.

  REGISTERED yes

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