Debt Consolidation Loans

A debt consolidation loan is a form of refinancing that allows the borrower to get rid of other debt sources. This can be done by securing a loan from only one lender which will essentially be used to pay off other outstanding debt.

Payday Loans

A payday loan is a form of short-term debt that doesn’t require any collateral assets. The interest rates tend to be higher than personal loans because the debt is paid over a shorter period of time (around 7 to 30 days). However, the rates will still ultimately depend on the borrower’s income.

Micro Loans

Micro loans are issued by individuals or non-profit organizations instead of banks or traditional financial institutions. The borrowed funds may come from just one lender, or a group of multiple lenders may pool their money to come up with the loan amount.

Personal Loans

A personal loan is usually unsecured and based on your income. Since they come with low-interest rates, you might feel tempted to get one. Here are a few things that you should know! Credit score matters The personal loan doesn’t include collateral, so this means that the credit score is very important to the lender. …

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Down and Out in the Magic Kingdom

Down and Out in the Magic Kingdom is a 2003 science fiction book, the first novel by Canadian author and digital-rights activist Cory Doctorow . Concurrent with its publication by Tor Books , published under the Creative Commons license, the author of the book is authorized to publish it. The novel was nominated for the Nebula Award for Best Novel in 2004.