A Guide On Finding Guarantor Loans with a Low APR

People need loans for different reasons – home improvement, tuition fees, vehicle financing, and others; and Guarantor loans provide the opportunity of a loan to those with a less than perfect credit history.

Rather than taking pot luck and typing in “guarantor loans low apr” into Google, this article looks at 4 steps to help find the best value loan.


Interest does not represent the total cost of the loan that you will have to pay off – the term Representative APR does. Interest rate simply just states the rate of interest being charges, but does not take into account any other fees or charges over the course of the loan. However Representative APR takes these other charges into account.


So let’s say you borrow $20,000. The first lender that you approached offers Representative APR of 39% and the second lender is 41%. This means that you will save 2% of $20,000 with the second lender. That’s a lot of savings, right? But how should you find the lender that offers lower APR? Below are steps that you can follow:


Step #1: Know your credit score

This is the first step that you should take before you look for lenders. Your credit rating is a way to assess your creditworthiness. Lenders will check your credit history and base their decision on your loan application. If your credit score is low, this does not always mean rejection. But this may compel them to charge you with higher interest rates and fees thus increasing the usual APR being charged.


To check your credit score, you can go to ClearScore.com and get free credit report from three major reporting bureaus. If your credit score is low, you may consider delaying your plan to borrow money (if possible) until you are able to pay off some of your debts thereby improving your credit score and subsequently helping you get better interest rate and APR for your loan.


Step #2: Look for lending companies online

Search for a number of lenders online. Check their websites and see if these are designed professionally – this is your first step toward checking its trustworthiness. See if they have contact number so you can call and address so you can visit the office. Begin your inquiry. Contact them one by one. List the companies that you find attractive in terms of interest rate, payment terms, eligibility requirements, customer service, and most important APR.


Step #3: Ask for referrals

Ask some friends, relatives, and co-workers if they have had applied for guaranteed loans before and which lending companies were these. Inquire about the APR. If they can’t give you any idea about this, ask about the amount of money they borrowed and they paid each month. Multiply the monthly payment by 12 and you will somehow get an idea of how much had been added on top of the amount loaned. Choose which lenders interest you. Call them and inquire.


Step #4: Compare APRs

With all the details that you get from your inquiries, you can start comparing APRs. Choose the lender that offers you the lowest APR for your guarantor loan.

XFR Financial Ltd And CFD Trading Online


In general, CFD trading can be described as one of the most popular ways of investing, a place where you can trade on markets like currency pairs, gold, oil or futures, and make a solid profit based on difference between commodity prices. Of course, we could also trade with different kinds of commodities in the past, but these markets were intended mostly for a big financial corporations and private investors with huge budgets. In addition, the whole trading situation was far difficult back then, because we had to claim that we actually own these commodities. And that was something that caused a lot troubles for investors from all around the world. The situation with ownership has changed and we can now buy and sell different assets, without need to actually own them. You can see how easy it is if you open your trading account at XFR Financial Ltd. This new concept has revolutionized online trading, allowing investors to trade more freely.

What Do You Need To Start Trading CFD


There are many companies and online brokers that can help you to become a better CFD trader and earn more money. One of the best is XFR Financial Ltd. Choosing your online broker is extremely important, because if you choose wrong one, you might have some really fatal consequences. One of the biggest problems for new traders is that they don’t know how to evaluate these companies, especially because we have so many “financial middlemen” these days. This is the reason why you mustn’t choose the first name you see. Take your time and choose wisely because this can save you from a lot of troubles.


As we said in the begging, choosing XFR Financial Ltd for your broker will be great decision. This is not only highly reputable company, but also one of the leaders in the CFD trading business in general. With their platform, you will be able to trade with shares and commodities from a number of countries around the world. And you will be able to do it without any restriction when it comes to your physical location and time. With such a huge offer, you will definitely be in position to find some great opportunities and by following the rules, turn them into a profitable investments.

Nothing Without Good Software


Once you choose commodities you want to trade with, you will need to track the situation on the market and see what is going on with your contract for differences. The best thing about XFR Financial Ltd trading platform is that it allows everything that is needed for such deep analysis. All these information are provided on the user-friendly platform that can be used even if you are complete amateur.


If you think that you will need some kind of software that must be downloaded, you are wrong, With this broker, you can access your account with your phone or laptop and start investing without any problem. If time is money, then this trading platform will save you a lot of money. So, don’t wait too long and choose your set of assets you want to trade. Remember, CFD market never sleeps.

Realistic Ways To Earn Extra Money While Working Full Time

There are very few people who don’t need or simply want to make extra money, but at the same time, people are often relatively prohibited in what they’re able to do because of their full-time job. If you have a full-time job, you likely keep it because it offers security, stability, and a benefits package, but you might want to put aside extra money for retirement or save for some of life’s luxuries. Your salary alone may not allow you to do that.

A lot of people strive to maintain their full-time job while simultaneously earning money on the side, but the question becomes how to do that in a way that’s realistic and isn’t going to leave you exhausted or devoid of any free time.

Below are four ways to earn extra money, keep your full-time job and retain your sanity.

Affiliate Marketing

Affiliate marketing has become so prevalent that it’s a full-time career for many people, but even if you don’t want to make it your job, it can be a good way to earn passive income in a way that doesn’t require you to quit your job. You will have to put in some initial effort up front, but once you do that, it can turn out to be fairly lucrative.


You may have a skill or talent that you’re using, or perhaps not using at your full-time position, but regardless there may be other ways to put it to work. Create your own freelance consulting business whether your skill is interior design, writing, accounting. Whatever it might be, as a consultant you can make your own hours and work at the times that are going coordinate with your full-time position. The good thing about consulting or freelancing is that you’re not going to have the restrictive scheduling of a traditional part-time job, and you can always cut back if needed.


Investing in the stock market is an excellent way to earn passive income, and even if you’re a relatively active trader, it’s not likely to interfere with your day job. Before you start trading, however, it’s a good idea to do some research. Look at different investment options, including lower risk situations such as penny stock trading, so you can get your feet wet before jumping in fully.

Develop Websites

Obviously website design and development is something that’s in high demand, as essentially every business has a site these days. If you already have the skills, you’re in luck, but if not, you can take online courses and learn what’s needed to build great sites. If you’re able to do that, you can connect with clients online and earn money without having the give up the stability of your primary job.

If you take the time to make extra money on the side, you give yourself expanded opportunities to save more, have something to invest and use to grow your wealth, and all the while you’re maintaining the stability and potentially the substantial benefits package you enjoy at your full-time job.

CFD Trading – Fundamental Concepts Every Starter Must Know

CFD (Contracts for difference) is flexible way of trading, which mirrors price movements of the underlying assets that includes global financial products such as treasuries, currencies, commodities, indices, and stocks. The concept is very simple.


A CFD trader neither purchases nor sells underlying asset. The trader simply purchases units of the CFD. You profit when price of the underlying financial product goes up and make loss when the price goes down than the price at which the trader had purchased the CFD units.


Concepts of margin and leverage


One of the main advantages of CFDs is that they are leveraged products. For opening a position, you don’t need to deposit full value of the trade. You simply have to deposit a small percentage of the trade’s full value. It is also known as “trading on margin”. Though sellers of CFD brokers only say that returns get magnified because of “trading on margin”, it is also true that just like profits losses also get magnified. This means a CFD trader can lose more than the deposited capital. You may learn more on CFD leverage from CMC Markets.


Is there any cost involved?


There are 4 kinds of costs:


#1 Spread – A CFD trader has to pay the difference between buy prices and sell price, which is nothing but the spread. A trader always prefers a narrower spread. Less price movement is required for the trader to make either profit or loss.


#2 Cost of holding – Holding cost is charged by the broker if an open position is not closed within a single trading day, before the trading day ends. Depending on direction of position, holding cost can either be positive or negative.


#3 Market data fees – These fees are not fixed ones and vary from broker to broker. Check out the market data fees before registering with a CFD trading broker.


# 4 Commissions – If you are trading underlying stock based CFDs, brokers charge a commission on the traded units. Check out the different commissions on the position exposure of different brokers. In many cases, a minimum commission charge is there along with a percentage commission (say 0.10 per cent) on full exposure position.


Let’s check out some examples to get a real picture of the commissions. Suppose, a person buys 10,000 CFD units of the underlying stock of a certain company. Let every unit of the underlying stock be 100 cents and the percentage commission is 0.10 per cent. For entering trade, the trader has to shell out $12 commission charge ($12,000 x 0.10 per cent).


If another trader buys 5,000 CFD units of the same underlying stock at same price, the commission charge turns out to be $5 ($5,000 x 0.10 per cent), which is less than the minimum commission charge of $10. In that case, the trader has to pay the minimum commission charge of $10 for entering the trade.


The same commission charge is also applicable on closing trade too, where the commission is applicable on the exit price.

Forex: Why should you know about cTrader?

What do you think are the ideal features of a trading platform? If you are looking for a platform, which promises to be the combination of user-friendliness and technological advancement, then ctrader should be the choice for you. Find out more about the Ctrader platform in this post.

Ctrader Platform: What should you find out about it?

Besides forex, the cTrader platform can be utilized to trade in several markets including indices, shares and commodities among others. The platform can be accessed through a variety of devices including smartphones, desktops and tablets. You can trade from the comfort of your home or else on the go- as per your choice. Today, we will be discussing the reasons why this platform has become so popular. If you are determined to use this platform after learning about its merits then you should be careful about using ctrader demo account properly before trading in the real market.

The merits of cTrader

What exactly are the features of cTrader that give it an edge over the other platforms? Let’s find out here.

Flexibility: We have already told you that you can access this platform through a number of devices like smartphones and desktops. However, this is not the only factor which has contributed to the flexibility of this platform. It complies with the trading styles of both the new and old traders. The interface looks much like that of another highly advanced piece of trading software – Meta Trader 4. It is clear and simple. You can trade straight from the charts. There is hardly any interference from the part of the dealer. As such, the prices you see are completely transparent. Even re-quotes are never applied.

Additionally, there are several types of orders to be availed as well. The greater number of trading orders you can avail, the better decisions you are able to make. Ctrader offers you a comprehensive range of order types including stop orders, market orders and limit orders among others.

Efficiency: The fully customizable platform provides you all the latest updates or live rates at substantially low latency speed. In order to make sure that the traders are provided nothing but the most accurate price rates, all these rates come directly from the liquidity providers. Other advantages of the platform include level II pricing, super-fast execution of trades, automated trading facilities and compliance with both broker and trader interests.

Market Analysis

When it comes to performing in-depth market analysis, there is hardly any other trading platform which is as efficient as cTrader. Do check out its STP or Straight Through Processing feature which is packed with a series of analytical tools. In order to facilitate technical analysis, the trading platform offers you a plethora of features including line drawings, oscillators alongside common trend indicators.

The ChartShots are designed for sharing analysis strategies and examples with other traders.

The final words..

Make sure you are learning more about this platform in order to make the most of its benefits. Good luck with your trading fortunes!


Quick Forex Guide: CFD Trading in Australia


Around a decade ago, Contracts for Difference entered and gained traction in the Australian forex market, changing the very financial landscape of the country. Their presence not only infused the country and industry with a much-needed technological upgrade, they also became a concrete threat to existing brokers since CFD’s pretty much worked on discounted brokerage fees.

Years after that, how is the country now?  Is it growing? Is it failing? Are traditional trade brokers still in power? How did CFD trading change the landscape? And more importantly, where is it going? What does the future look like for foreign exchange in this small but powerful country?

A Quick Look at CFD Trading in Australia

  • Cheap and Easy to Access

CFD trading in Australia truly paved the way for the common man to engage with the business of the foreign exchange market. It no longer became the world of rich men and powerful corporations. At the current era, even employees can join in for a mere 10 Australian dollars per transaction.

  • Creation of New Markets

The cost-efficiency brought about by CFD trading in Australia gave birth to the early players that made an impact in the industry. These include the CMC and IG Markets. These two revolutionized the business since they pretty much advocated for the over-the-counter service in market provisions and trade counter parties. Discount trade brokers, having no choice in the matter, followed shortly by creating the ASX alternative.

  • The Rise of the Alternative Market

Unfortunately, CFD trading in Australia couldn’t support the ASX alternative. What remains now is the companies with alternative market models. As of right now, they’re the largest collective in the country. These companies, such as OCM Online Capital Markets, ensure that each and every one of their clients have the capability to trade in any open market at justifiable and globally competitive costs.

The rise of the alternative market models paved the way for Australia to grow exponentially and is a direct cause on why the currency has remained stable despite the number of tumultuous events that rock the global financial world.

  • The County of Australia, at the Present

Financial trading activity rose up by a staggering 400 percent. As of right now, there are more than 20,000 citizens trading CFD documents. Forex is taking the lead, as it operates 24 hours a day, 7 days a week, providing Australians the means to trade currencies whenever they see fit. Other markets, including Index and Commodity, has grown, as Australians are aggressive when it comes to trading using raw materials and basic necessities.

  • The Future of the Australian Market

The future looks bright and promising for CFD trading in Australia. The enthusiasm for this model is sustained and continues to grow. More and more people are trying out this exciting financial transaction on a daily basis. With the trends right now, only time will tell when the Australian market will ascend and evolve into becoming an economic super powerhouse.

Stay tuned for more news and information about trading in Australia.


Meta Trader 4: A Definitive Guide

It gets a lot easier to earn profits from Forex if you are well aware of the nuances of the platform you’re trading with. And, we intend to help you regarding that only. Today, we will be discussing various attributes of the Meta Trader 4 platform. So, all this time if you were wondering whether or not you should trade with this particular trading platform, you will hopefully be guided by this primer.

What is Meta Trader 4 Platform?

MetaQuotes Software is responsible for creating Meta Trader 4. With this platform, traders can trade online across a variety of markets including the Contracts of Differences, Forex as well as the Futures markets. If you are interested in meta trader 4 download then you can either visit the official website of Metaquotes or do it through various online brokers as well. As we progress further through the post we will discover more details about it.

More about Meta Trader 4

The platform is backed by a range of analytical tools that help traders assess the price dynamics of the variant financial instruments. Traders can also create and start using automated trading platforms and make trade transactions. There are 50 built-in indicators that can be availed from this particular platform. There are 3 timeframes designed for different financial instruments that offer traders the detailed breakdown of the quote dynamics. The presence of 50 (in fact, more than that) inbuilt indicators means that analysis is simplified to a major extent whereby it gets much easier to determine trends and the various entry and exit points. You can also access “on paper” analysis by getting the charts printed.

The Terminal Explained Briefly

The platform backs all types of trading functions at the same time. There are three types of operation execution to be availed from this platform, which also accommodates various types of orders including Trailing Stop, market orders and pending and stop orders.

“Alerts” on trade positions is another noteworthy tool that tracks all the favorable moments. In order to bolster your winning chances you can actually turn to the embedded tick chart which is very useful for error free determination of entry and exit points.

With Meta Trader 4 you don’t have to Worry about Security

The security offered by the trading platform should ideally act as one of the foremost factors governing the choice of platform made by the traders. And, Meta Trader 4 scores on that ground as well. The platform offers you stellar security by guarantying that all the exchanges between the terminal and client is 128 bit encrypted. It also enables traders to use an algorithm based security system to be absolutely sure about the safety of information related to them.

The efficacy of Meta Trader 4 as a reliable trading platform can thus hardly be questioned. Hope the points mentioned in this particular post will help you decide whether you would want to trade with Meta Trader 4 or not. Good luck!

Make sure you’re acquainting yourself with more such facts about this platform before you start trading with the same.

The Most Profitable Casino Games Online

Online casinos are basically entertainment venues where you can play games using real money. In this aspect they are exactly the same as their real world counterparts. Playing casino games is fun, and they are designed to be fun. The fact that players can put their money on the line and possibly even win big amounts is just the icing on the cake.

Playing at Royal Vegas Online Casino, for example, is all about chance. Most of their games – and they have quite a few – are completely random. Royal Vegas Casino has a huge collection of entertaining games. Its game library covers everything from casual games to arcade titles, table games and slot machines, and several poker variants. All games are designed to be fun, but there are those select few that can generate a long term profit for their players.

Video poker, for example, is one of them. Based on the rules of Five Card Draw, but adapted to the casinos’ one player environment, it is considered a game with a lot of winning potential. It’s not completely random – it is tied by its rules to deal a hand of five cards using a deck of 52. Players have a 1 in 8 chance to be dealt a high pair (J to A), which already pays out in most cases, and a 1 in 21 chance to be dealt two pairs, which pays more than the initial bet value. While you can’t expect spectacular wins, video poker can keep you in the plus side in the long run.

Royal Vegas Online Casino has a collection of tens of video poker games, each with its own set of rules. Some use jokers, others use deuces (twos) for jokers, and yet others only pay out for a high pair. But all of them share the same basic rules, based on Five Card Draw.

Blackjack is another popular casino game, available at Royal Vegas Online Casino in several versions. What they all share is their basic rules – players need to form a hand with a value as close to 21 as possible to win. The “strongest” hand is the blackjack, consisting of an Ace and a 10 value card, which has a special payout – usually 3 to 2, or 2 to 1. Blackjack is known as the game where players have an almost 50% chance of winning any hand. And with the use of the right strategies, wins can be increased, and losses reduced.

Some rule variations shift the chances toward the house, offering it a bigger advantage in playing against the player. But choosing the right table and using the right strategy will help you turn your game into a small, but steady trickle of income.

You CAN get richer playing slots online – HERE’S HOW!

Slots offer fast-paced fun, excitement, and the possibility of huge jackpot wins. While playing slots may seem to require only luck and no skill at all, there is more to it than meets the eye.

The slots themselves are controlled by Random Number Generator software. This means that the spins, the wins, and the thrills, are randomly generated. There is nothing that players can do to change the outcome of the spins. But all is not lost!

There are a number of ways that you can get richer playing slots online! To begin with, there are choices to make, such as which slots to play, how many paylines to choose, and even the size of the bet per spin. Making the right choices can make all the difference to the outcome of your slots gaming sessions.

In addition to making the right slots choices, it is also important to make sure you manage your bankroll like a pro. It only takes a few easy steps to help you keep your bankroll on the up and up over the long term.

Build Your Bankroll

There are a number of ways to build your bankroll at an online casino. New players are offered welcome bonuses. When using these bonuses correctly, you can begin to grow your bankroll.

At Slots Heaven, for example, it is possible to triple your money while playing online pokies when accepting the 200% match deposit Welcome Bonus. This means that you get to play with more money than you deposited. It is important to read the Terms & Conditions to ensure that you fulfill the wagering requirements within the required time to get the full benefit of the bonus money.

To continue building your bankroll as a veteran player, make sure to take advantage of VIP clubs, and additional bonuses and promotions that are available.

Make the Right Choices

Choosing to play all the available paylines and betting the maximum bet in your chosen slot game will increase your chance of winning bigger amounts. Choose games that come with a large number of bonuses, free spins, wilds, scatters, and other special symbols. In order to check out the games properly, first play them for free.

Stop at the Top

There are a number of methods to ensure that your bankroll will grow rather than disappear. You need to stay in control of your gaming at all times. Set loss limits to ensure that you keep a positive bankroll. Setting a loss limit of 50% will mean that if you lose 50% of your bankroll in a gaming session, it is time to stop playing and move onto playing free games, or come back another day.

When winning, each time you reach a specific amount, perhaps 100 credits, put aside half your winnings, either to cash it out or use for play another time. Continue playing with the remaining credits, and once again, put aside 50% of your winnings each time you reach a certain number of credits.

Play Free Games

When checking out slots, or when your bankroll needs a rest, make use of the free slots that are offered at online casinos. While you will not win real money for these games, you will still have fun, and can make sure to protect your winnings.

Caveat emptor! Let the buyer beware!

Ignorance is never an excuse. You should take the time to find out all you need to know about the slots you wish to play. Make sure to read reviews, and to see what other players are saying about your chosen slots both in chat rooms and on message boards. Check out the payout percentage before taking a real money spin. If the payout percentage is too low, choose another game to play. Make sure you find out all the information you wish to know before embarking on your slots journey.

4 Effective Investment Opportunities to Grow Your Money

There are a lot of ways on how to invest your money. When the time comes that you are ready to invest, you have to know the investment opportunities that suit you. Here are some of the investment vehicles you might want to try:

Real Estate

Investing in real estate has been gradually becoming popular over the years. It has also become one of the most common investment vehicles. Though there are numerous opportunities in real estate investment, it is a lot more complicated than investing in bonds or stocks.

This type of investment lets you buy a property then rent it out to a tenant. You are then responsible for paying the costs of maintaining the property, taxes, and mortgage. Ideally, you can charge enough rent to cover all these expenses mentioned.

If you don’t have much cash on hand and if you are eligible to get home loans, you can also generate profit from it. One example is home loans with variable interest rate from NPBS. After getting low interests during the initial years, you can flip the property after 1-2 years. What’s more, home loan applications are now made easier, so people won’t have any hard time dealing with it.


The term bond is generally used to refer to any securities that can be found on debt. It is grouped under the general category known as fixed-income securities. Once you buy a bond, you are lending out your money to a government or company. In exchange, they agree to offer you interest on your money and eventually pay back the amount you lent to them.

Bonds are relatively safe that is why there are a lot of people who invest on them. When you purchase bonds from a stable government, your investment is risk-free or guaranteed. However, stability and safety come at a cost. Since there is a little risk, there is also a little potential in return. Therefore, the rate of return on bonds is usually lower than other securities.

Once you buy stocks or equities, you become a part owner of the business. This allows you to vote at the shareholders’ meeting and lets you acquire any profits, also called as dividends, which the company or organization share to its owners.

As oppose to bonds that offer stable stream of income, stocks are unpredictable. Basically, they fluctuate in value on everyday basis. When you purchase a stock, you are not certain to get anything in return. The only way to make money in stocks is when it increases its value, but that might not happen. Conversely, stocks offer relatively high potential returns than bonds. But, you have to predict the risk of losing some or all of your investment.

Mutual Funds

The collection of stocks and bonds is called mutual funds. Once you purchase a mutual fund, you are pooling your money with some other investors, which let you pay a professional manager to choose specific securities for you. Additionally, mutual funds focus on nearly anything, such as bonds from government, stocks and bonds, stocks in industries, small stocks, large stocks, stocks in countries, bonds from companies, and a lot more. The major advantage of mutual funds is that you can invest your money without the experience or time that is required most of the time when choosing a sound investment.

It is worth noting that it is very important to save money nowadays. And one thing you can do to save up more is to invest your money through various tried and tested ways.

Are you treating your credit cards as loans?

If you still aren’t aware then let us tell you that there is a possibility of Federal Reserve interest hike and if you are carrying a lot of balances on your cards then it can turn out to be a very costly habit—if at all, the interest rate rises. As per the Federal Reserve Data, […]

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Forex: Choose a Trading Platform properly to improve your chances of Winning

A forex trading platform or online forex trading software utilizes the internet to enable a trader carry out his trading practices efficiently in the foreign exchange market. The forex trading platform is often likened to a one-stop shop where experienced traders can conduct their trading activities globally and new traders can learn the tricks of […]

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Tips on Boosting Your Credit Before Applying For a Loan

There are a number of times in a person’s life where they will need a bit of financial help. Getting a loan is a great way for a person to pay off bills or even make additions to their home. Most people fail to realize just how hard it can be to get a loan. […]

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The Benefits that Come With Getting a Debt Consolidation in Edmonton

One of the biggest problems that most people face is in relation to their money. There are a number of things that can happen to a person that will turn their financial situation upside down. Having debt can really wear on a person and can make a bad financial situation even worse. By taking the […]

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Helpful Tips on Investing Money Wisely

There are so many different ways that a person can grow the amount of money that they have. Finding the right professionals to help with your investing will allow you to get the full picture of what is out there. The time that is spent finding out what investments are available to you is worth […]

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