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The early redemption of your loan can be favourable in many instances however, but there can be hidden charges as well. If you are taking out a loan and think that you might want to pay it back early, then there are certain things you should take into consideration before signing up. Here is some advice to help you to get the most out of paying back your loan early.
Why pay back early?
Paying back your loan early might seem like an impossible target at the moment, but if you have a long-term long then it is possible you will be in a position to pay the loan back earlier than the agreed term. Paying back your loan earlier will obviously benefit you because it will reduce the amount of interest that you are paying. If you can possibly afford to pay back your loan early then you should try to do so, providing that the penalties are not too high.
Different names, same penalty
Although paying back your loan before the end of its term can be a great idea, there is a chance you will have to pay a fee in order to do so. These fees can vary in price, and also in what they are called. The same early payment fee can be called an early repayment penalty, an early redemption fee, a redemption charge or even a financial penalty. It is important to check your loan policy to see if there is a charge for paying early. If you are not sure, then contact your lender for help.
How much will it cost?
Paying back early does not carry a set penalty fee, but in general the amount is around one or two month's interest. This means you need to work out when the best time to pay back the loan is. Usually, it is easier to pay back the loan early when you can afford to pay back the entire amount outstanding. However, you should avoid this if you are near the end of the loan term, because the charges may be as much as you save. However, some loans will allow you to pay back a certain amount early before you have to incur a charge. If you can afford to then pay back these amounts, as you will not get charged.
Flexible loans
If you really think you will want to pay back your loan early, then you might want to think about getting a flexible loan. These loans have higher interest rates, but they allow you overpay. This means you can pay back your loan much more quickly when you can afford it without having to incur any penalty charges. However, you should only consider one of these loans if you are really serious about paying the loan back early due to the higher interest rates.
No penalty fees
Another alternative is to find a fixed rate loan that has no penalty charge for early repayment. Although many people think only more expensive loans have this benefit, these days some of the cheapest loans have no charge for early repayment. If you want to pay your loan back early, then make sure you get one with no penalty charge.

Once you have bad credit (as indicated by your below average credit score) and lenders are turning down your application for loan grant it is ripe time to adopt effective credit repair measures. It is a fact that the negative information in your credit report takes time to get removed. Records of bankruptcies may remain for up to ten years while collections and tax liens stay on for seven years. Still, once credit repair measures begin to be advocated positive indications are provided.
At times there may not just be any need for credit repair. It has been oft reported that around 80% of credit reports contain some error or the other in them. So, you need to carry out a thorough check on the report obtained from the rating agencies and take necessary steps to address errors, omissions, misinformation, misreporting or misinterpretation, if there are any. After getting the errors corrected it is better to inform the reporting agencies by notification. This will ascertain that your credit report will become free from errors.
As credit repairing measure for poor credit you need to make sure that you are paying your bills on time. Similarly, timely payments need to be made towards debts. The outstanding accounts and debts pending in your name are to be settled. A useful tip is to reduce the number of credit cards pertaining to you. The accounts related to old credit cards which are no longer in use can be closed.
You can write to the creditors to get the credit limits on your account reduced. In this way your available credit amount will get lowered. Co-signing on a loan with a family member or friend and ensuring timely payments towards this loan will help reestablish your credit. Another effectual measure is to get hold of a secured credit card, keeping a designated amount in the account (sufficient to cover your charges) and making timely payments in here. All the while you need to carefully avoid bankruptcies, tax liens etc.
In this regard you need to remember that no one can act on your behalf to repair your credit report. You need to take up the credit repair measures yourself in order to repair your credit. The claims made by the number of online concerns, some of which profess to be credit repair 'clinics', are not quite legally established. At best they can provide some counseling and guidance for you and perhaps facilitate in your endeavors to some extent. You need to verify the actual benefit you can derive from these credit repair ventures before seeking their services.

If you have a bank account, then you might have heard about Internet banking. If you use computers regularly or not, Internet banking could really be useful to you. There are a large number of benefits to Internet banking, and when used well they can replace a lot of the functions of your regular banking. If you want to know more then here are some of the benefits of online banking.
Rise of online banking
Over the last few years, online banking has become more and more popular. From a few high street banks offering online services to some banks now operating totally online, there are a lot of options to choose from. As many as half of all banking customers use some form of online banking, which shows how useful it can be.
Where to look
Looking for online banking is just like looking for a regular bank. You need to shop around and look for the best account and deals for you. Of course, if you are happy with your current bank then it is possible that you can get all of your current bank account features online right now. However, it pays to look at other online banking deals so that you don't miss out on the best features.
Ease of use
Although some people might find the idea of banking online daunting, if you can use a computer at all then it is really very easy. Most online banking requires a few clicks of a mouse to access all your account features, and works very much like a normal bank statement, but onscreen rather than on paper. Most people find that once they have used online banking once or twice they can get the hang of it, even if they don't use the Internet for many other things.
Quick transfers
One of the major benefits of online banking is the ease and speed at which you can transfer money. You don't need to go down to your local branch anymore, as you can simply type in the details and the amount you want sent and it is done straight away, allowing for normal clearance times.
Saves time
Whatever you are using online banking for, it will save you time. You don't need to wait in a long queue at a high street bank, and you can view your statements and account details at any time of the day or night. This can save you a lot of time, especially if you run a small business and need to carry out a number of banking procedures each day.
Better money management
Most people find that online banking allows them to manage their money much more efficiently. Being able to view your account instantly and check each transaction as it occurs means that you know exactly what you are spending each week or even each day, rather than waiting for that monthly statement. It also means you can check for any discrepancies or problems much more quickly, which helps to keep your money safe.
Are there any problems?
Of course, there are the same problems with online banking as there are with regular banking. Sometimes there are security problems or errors, and not everything can be done online. Also, online banking is less personal, and there are times when seeing your bank manager or other bank staff is necessary. However, for the quick transfer of funds and for viewing account details, online banking is something that everyone should use.

Whitening one's teeth is fast becoming one of the fastest growing industries in the western world, despite the onslaught of the recession. It seems more and more people are striving for perfection in terms of outward appearance because they know that such remedies and treatments exist. But, being the intelligent consumer, they are looking for the best deals.
Here are some of the most popular tooth whitening products.
Strips
Strips are one of the most popular less expensive means of whitening one's teeth. They generally retail for as less as $5. A set of strips, like the strips Colgate or Crest offer, compose of flexible plastic strips that contain an artificial bleaching agent and adhesive. The idea then is to apply the strips to the teeth for about an hour before ripping off the strip. The big disadvantage here is that due to the strips being mass produced they rarely fit your teeth perfectly, which can then often result in comical half white half yellow teeth. Furthermore the degree of whitening is fairly scant
Gels
Whitening Gels came on the scene roughly about 5 years ago, and in my opinion they were a step up from the whitening strips. In essence, you wear a mouth-guard (or a teeth tray, to give it its proper name) that contains the whitening gel for roughly about two hours. Again, while the results are better, it does restrict where can go, unless you're comfortable walking around town with a mouth-guard on.
Swabs
Swabs are the newest type of whitening products to hit our shelves in the last few months. What makes them so popular is that they are time efficient and can easily be incorporated into one's brushing schedule.
They make use of cotton swabs that contain a whitening liquid within. This is then applied in conjunction with a special magnesium powder to whiten your teeth effortlessly.
The other main attribute and advantage of this new innovation is that you can decide on which teeth you think deserve the most attention.
The swab technique has now become so popular in recent months that due to the positive feedback and demand that exists, many companies have no problems in offering free trials of these products.
Healthy Teeth
It is advisable though that before you whiten your teeth with any of the above products, that you take steps to lay down a good foundation. This means creating healthy teeth.
Many methods of maintaining healthy teeth consist of amongst others; brushing teeth daily, cutting down on coffee and tea consumption, eating vitamin c rich fruits and gargling water to remove particles that are stuck between teeth.
What The Dentist Offers
If you decide to take the more expensive route for the same quality teeth, it is important to read this as this is what you will hear in your first consult which you will have to pay for.
You will either be offered composite resin or veneer bonding.
Composite resin bonding involves reducing your teeth before attaching foreign tooth particles that are connected by microscopic grooves made by a mild acid. The new teeth are then polished to bring about a new shade of whiteness.
Veneer bonding occurs when a sheet of porcelain is placed on the teeth. This is more stronger than the tooth particles and in most cases last for up to 5 years. Unfortunately the biggest drawback is that it is very expensive.
Another disadvantage with the dental procedures is that they can indirectly lead to premature rot and decay as it is impossible to clean the ''old part of the teeth'' due to them being covered with the porcelain or other tooth particles. So by removing your extrinsic stains you are creating intrinsic ones.

Fragrances have many facets and with sensual pleasures. With so many perfumes out there out and new ones coming out, how does one pick that one you can call your signature fragrance? There are way that we as humans as a whole sniff things. We know by studies done that odor perception varies with age, sex, pregnancy and hormonal state. It is also a fact that we associate scent with colors, textures and sounds. You know a scent of a rose without seeing the rose as an example because sometime in your life you smell a rose. Did you know that we capture most information about a scent with one single sniff? Yet we all tend to sniff more than once any scent we smell as if to be sure that the first sniff is telling us the truth if its good or bad. Each of our minds have unique patterns of how a scent is responded to, as we sniff a new scent, our minds unknown to us is asking, have we smelled this before? What emotions does it make us feel? Does it smell the same as the last time we smelled it? Who was wearing it? How did that person make us feel etc. All this is going on within seconds of taking the first sniff of anything, from food to the newest perfume. Yet we are all passionate about smelling good! Doesn't matter the brand of perfume, the price or who is promoting it. Perfumes are highly personal and our appreciation for them is not simply emotional, its really deeply thoughtful as well. Did you know that all perfumes come with three notes? First note is the first one you sniff when you open the bottle, the second note is the one you sniff after the bottle has been open for a bit and the third is the one that last the longest. The third note is the true scent and the one that last the longest on your skin. Then why try to pick a perfume by sniffing it on a piece of paper? Each perfume with response differently to our skin. To truly know if that new perfume is really you, it has to be worn for a while. Try it on your skin, walk around a bit before deciding if it is you. And think how does it make you feel?
Did you know that even though a perfume may have been created with multiply different scents to create one, we only really smell them as a whole? We smell it like a forest, not each single tree. If that is true, then why do they offer coffee beans to "clear the nose" when coffee alone may have over 300 different scents of its own? The fact remains that perfume is met to be worn, not decided by a sniff off a piece of paper. The next time you apply your signature fragrance or on the hunt for a new one, ask yourself two basic questions. How does it make me feel and how does the scent on my skin really truly reflect who I am as a person? Never buy a perfume because of who is promoting it, or who's brand name is on the bottle. Perfume is an magical experience, feel it, know it and appreciate it. It will become a part of who you are, not make you but add to your overall beauty ideal of what makes up the unique person you are. Remember that the next time he walks by and says 'Wow you smell amazing!"

Over-exposure to the sun and UV rays wreak havoc on hair follicles and protein bonds. The best shampoo for sun-damaged hair restores moisture content while helping heal and rejuvenate protein bonds that give life and body to our style.
Repeated exposure to the sun can break down protein bonds necessary for bounce and body. UV rays can promote splitting, frizziness and reduce shine and luster. Add a wind-blown effect or spray from salt water - as in a vacation to the beach - and perms, coloring, and smoothness can be stripped pretty quickly.
Restore Moisture & Repair
Consistent exposure leads to harsh effects and free-radical damage caused by oxidization. Lack of proper care leads to lost moisture and increased breaking and lack of control. Shampoos developed to maximize hydration while repairing and protecting from heat and UV damage can revive and offer protection from further oxidization.
This is the time of year we are flooded with calls on how to protect and repair. As a manufacturer, we have found shampoos and many conditioners are most effective if the right active ingredients are used in their formulations.
In particular, we recommend products with Panthenol, Emu Oil and Jojoba Oil. Emu Oil is one of the best ingredients for introducing and retaining moisture. It has transdermal properties (meaning it penetrates deep into the follicle shaft) and is a natural moisturizer. It is excellent for soothing and moisturizing the scalp as well.
Rejuvenate Shine, Body & Manageability
Panthenol is common for use to repair breaking and improve follicle strength. When used in conjunction with active proteins - rice, wheat, or silk - it helps improve the bonding structure of amino acids building stronger protein bonds. This helps protect the root and cortex from damage and aids repair.
Likewise, Jojoba Oil naturally moisturizes, acting very similar in properties to our own scalp oil that may be depleted due to environmental factors. It helps nourish and improve follicle health and aids cleansing without stripping nutrients or vital oils.
The best shampoo for sun-damaged hair helps repair, strengthen and restore lost moisture. Advanced formulations help reverse adverse effects of UV and sun exposure while improving strength for improved body and shine.

As technology continues to advance, we are learning to perform multiple tasks in shorter time intervals. We can write several advertising campaigns, a few more feature articles, and negotiate multiple contracts with partners from five different continents before lunch time. Subsequently, with all the newfangled gadgets being invented at breakneck speed, there is a tendency to handle everything in three second sound bites. However, there is still some things that need to be developed over time in order to be truly rewarding. One of those things is friendship. This article briefly discusses how to make deeply satisfying relationships the old fashioned way.
These days it is in vogue to use technology to develop everything including friendship. One of the most common ways is to shoot text messages back and forth. There is nothing wrong with this, but it should not replace good old fashioned face to face contact. In order to bring a friendship to full maturity, two souls have to be wedded together in harmony. This type of deep connection rarely happens through text messaging, instant messenger, or email.
You have to spend real time together, talking through stuff, looking into your friend's eyes and watching their body language. When two people do this over time they become familiar with each other's mannerisms and quirks. They know when the other is kidding around and when they are serious. Email can be easily misunderstood and misinterpreted, but face to face contact is generally raw and transparent. To develop deeply satisfying friendships, you need to clear consistent time in the calendar and get together for lunch or tea. This may be a bit old fashioned but it works and it is worth it.

Women base friendships on feelings of recognition, women like to show that they are very much the same as the other and show their weaknesses to their friends. Where men enjoy to talk with friends about their accomplishments and might even brag about some achievements, women are very careful with this. They are more likely to tell each other their most embarrassing moments or how they made a stupid mistake, and chances are high that their friends come up with even more awkward stories. Confession and recognition is how women confirm their friendships.
Having friends helps us in having a satisfactory and successful life, but apparently it also affects our health. People with more friends live longer than people with few friends. We can explain this by saying that the more friends we have the more chance that someone can give the right thing at the right time. Not all friends are the same. With different issues, you will probably go to different friends. Where one friend will give you a shoulder to cry on, the other will try to distract you from the issue by suggesting an activity.
The Motivator: This person is someone who is always enthusiastic about what you are doing or planning to do, whether you want to throw a steady career to become a ice cream vendor in Antarctica or open a bed and breakfast in your garden shed. This person will always say: "Go for it, girl!" and does not judge your plans or curious career changes at all. This person motivates, inspires and will give you a little extra push where needed, because this friend only sees opportunities ahead.
The Friend in Need: She is in crisis-management mode all the time and feels at her best when she can help out. She is down on her hands and knees when you lost your contact lens. She is there on a Sunday morning helping you mob after you house flooded. She borrows you her car. She organizes, saves and takes care until you are no longer in need of anything.
The Confidant: With this person you can discuss anything from your mother in law to last night's erotic dream, and most of all; you can discuss with this friend things that you would not discuss with your partner. This friend will laugh with you, cry with you, but would never judge you. She will listen to you, but never repeat to others what you told her.
The Fun Friend: Girls just wanna have fun, and this friend knows how to have uncomplicated fun at any place at any time. She is not embarrassed to go from the slide in the playground, or to flirt with a 20 years younger waiter on a terrace. She loves karaoke nights and tries all free testers of perfume in a local warehouse. She is unruly, relaxed and celebrates life.
The Truth Teller: This is a friend who does not try to rise above you, but truly wants you to bring out the best of yourself. She will not only tell you when you are not dressed properly for your age, or that you really are drinking too much lately, but she will also tell you when you are wrong in an argument with your partner, or that you really are a little too harsh on your children. You need to realize that this friend is only telling you the truth because she wants you to have a chance to change it and better yourself. She does not say these things from jealousy or revenge, but truly loves you.
The Surprising Friend: Most of our friends have a similar background to our own; they are about the same age, have a similar level of education, employment, or come from a similar cultural background. But we can enlarge our world and our perspectives by opening up for other people as well. By having friends from different backgrounds, friends with different cultures or a friend that is twice or half your age, you can learn many things about each other.