Understanding Emergency Loan

Do not fret about getting loans when you have a quick need for cash, and you are not really in good books with the bank. Here are a few tips on how to get an emergency loan with bad credit. Use them to improve your chances of getting the money you need for your emergency.


Use peer-to-peer loan options

Check out peer to peer lending because it is a new service that bypasses the traditional banking institutions and it also allows you to negotiate on friendly terms. The service works by allowing individuals with lots of money to pool it together through a common platform and advance it to willing borrowers who have sufficient proof of their ability to repay.


Secured loans

They are just like ordinary loans except for the part where you offer security. For instance, you could use your car as your loan security. If you fail to pay back the loan within the prescribed time, the lender will move in on the security you provided. Your house, a car, a farm or anything for that matter will become the property of the lender because you defaulted. However, a good borrower can benefit from the secured loans because they do not require you to have an excellent credit rating. You can use the guaranteed loans offer for a while, and it would help to fix your credit. It would show that you borrow and payback in time, a sign for a well-disciplined borrower that lenders love.


Getting a Co-Signer

Most lending institutions will accept your request for a loan when you have bad credit. They will do so when you provide them with an alternative borrower’s details. The alternative borrower is your guarantor for the loan. He or she will foot the bill in case you bail on the lender. Therefore, find an excellent, willing borrower with a high enough credit rating. Next, convince them to be your co-signer for the loan. You will repay the loan, but you will use their credit rating to qualify for the loan. When you pay back the loan, it will be a win-win situation for all of you.


Get post-dated checks

When your credit rating is terrible, the lender wants all the assurances that you could pay back, minus the hustles of doing so. Thus, offering a post-dated check to cover all your monthly payments will be the best assurance you can provide. The post-dated checks will ensure that the lender gets money when its due. Meanwhile, it will be your responsibility to make sure the checks do not bounce, as that will expose you to the legal trouble that can cost much more than the loan and its interest payments. It will push you to work harder at repaying the loan. The lending institutions understand this fact, and that is why they readily accept your loan request even with bad credit.


As noted in the tips above, getting a loan when you have bad credit is not hard. Take your time and weigh the many options available.

financial concepts

Best financial concepts

Many people don’t have the slightest idea when it comes to financial concepts when they are faced with making any financial decision. If you don’t have the concepts then most likely you will end up making the wrong move. Finances are important, and they will help us with all our needs. And so many people work hard so that by the end of their career they will have relaxing retirement days. So if they have no idea of the financial concepts, it will not benefit them in any way even if they save as much as they can. Below is a list of the best financial concepts.

Effective tax rate

filing returnsThe effective tax rate means that you combine the state and federal income taxes that you have achieved in a year. The calculation should start with the federal return, the take the adjusted gross income of the exact federal return then divide it by the actual federal return.  If the state income has the income tax, then you should do the same too.

The result that you will get will be in the form a decimal that you can quickly change to a percentage. So that to get the effective tax rate then you should add the two together. The percentage of the state and federal. Primerica Calgary will help you in filing your tax returns in time.

Debt snowballing

The debt snowballing is all about listing all the debt that you might be having. It’s not the debt alone that’s listed, but the interest rate that will be paid for both and the least amount payment. Then you should calculate how long you will manage to pay off all of them. To make things easy for you just start with the smallest debt then rise, or start with the one that has a high-interest rate. There are apps on the internet that will help with the calculation just look for “debt payoff calculator.”


managing financesHaving something guaranteed then it will mean that you don’t have to worry about the risk because it will be risk-free but at the same time it might not be true. It depends on where the guarantee is coming from and if that person will be able to back it up. The way to go about this is looking at the terms and conditions that spell out precisely this.

Like at the insurance that guarantee monthly payments when it comes to an annuity. If it’s not spelled like this at the terms and conditions, then you are at risk. For more information on the best financial concepts, watch the video below;


Crucial Things To Consider When Looking For A Forex Broker

There are so many forex brokers in the market because this is one industry that is very profitable. Choosing the right forex broker is usually not easy for most people because of the many forex brokers. Since the forex trade involves a lot of cash, it is important to be careful so that you do not lose your cash. However, with the right tips, you can easily choose the ideal forex broker. Let us now explore the crucial things to consider when looking for a forex broker.

Crucial tips



Security should be paramount when looking for a forex broker. The forex broker that you choose must have the highest level of security. You must ensure that you are handing your thousands of dollars to someone who is legit. Luckily, checking whether a particular trader is legitimate or not is easy. There are numerous regulatory bodies all over the world that you can quickly check and ascertain whether one is their member. Before hiring a broker, make sure that he is a member of a regulatory body in the country of operation

Transaction costs

The primary objective of all businesses is to make profits. They make profits by minimizing their expenditure and increasing their sales. It is critical to note that there are transaction fees that you will incur in the forex trade. Since you want to make profits, ensure that you select a broker that has the most competitive rates since you want a great profit margin. It is critical to note that for every trade that is conducted you will have to pay for a commission. Therefore, you should look for the cheapest and the most affordable rates. Choose a forex broker who will find the right balance between low transaction costs and security.

Deposits and withdrawals

Make sure that you choose a forex trader that you can easily deposit and withdraw your cash with fewer hustles. Some brokers will give you hell when you try to withdraw your earnings. There are no reasons as to why the forex traders should make it difficult for you to withdraw your cash since their primary responsibility is to aid you in trading. Choose a broker who has smooth and speedy deposits and withdrawal methods.

Trading platform


Last but not least, look at the trading platform. Most of the financial activity usually happens on the trading platform of the forex trader. The trading platform must be stable and user-friendly. It should have a free business news feed and the charting tools. All information that is related to the trade should be presented in a way that you best understand. Kindly click here for the additional information about Forex Brokers.



Bitcoins vs. Finance Credit card


Bitcoin is the new currency. If you have been surfing on their website, you must have come through the term bitcoins. Bitcoin is a digital currency which is produced using computer algorithms. The bitcoin was developed in 2009 as a result of the global financial crisis. The developer intended to mitigate the risks associated with the normal currencies by introducing a digital currency that was free from government regulations but accepted worldwide. Although the value of bitcoins has exploded over the years, credit cards remain reliable and convenient over them. Here are some of the reasons why credit cards are not going away presently or in future.

Customer Data


Credit cards carry important customer data which is embedded in the magnetic chips. On the other hand, bitcoins lack customer data. Hence, information provided in credit cards can be analyzed for the purpose of coming up with tailor-made financial services, unlike bitcoin where the owner remains anonymous.

Link with Customers

Credit cards link customers with sellers. A seller can gather information regarding a customer and determine the specific products he or she has purchased. This is not the case with bitcoins because the seller does not have access to information about the profile of the buyer.

Criminal Activities

Given that bitcoins can be used discretely, they could be used to carry out criminal activities. Users can use the crypto-currency to pay illegal services such as hiring hit-men, paying terrorists and demanding for ransom. However, with credit cards, such activities have been deterred. A buyer who uses a card for criminal activities can be traced to their doorstep because user information is recorded when one is offered the card using a legal identification card.

Ease of use

chhfidsgivdsUndeniably, a majority of people do not understand how bitcoins work. The process of acquiring bitcoin is hectic and understandable to a few. On the other hand, credit cards are easy to use. All one needs to know is how to pay for services and access money.


Credit cards are reliable because they have been accepted worldwide. However, people are adamant to use the bitcoin because there is no entity that regulates how they are traded. Besides, the volatile nature of Bitcoin makes it a less ideal method of transacting. A lot of people are also adamant to embrace the bitcoin. Hence, the credit card will continue to exist despite the much-publicized use of bitcoins.


What you should know about companies that sell burial Insurance

When looking for final expense life insurance, you may not know the most important factors to consider. Some people take a casual approach because after all, it is all meant to take care of burials and similar things. What they do not know is that at the end of the day, it is something that will determine the situations that they go through.

For instance, the costs of the final journey of your loved one could be too much to bear, and therefore, you will be looking at the insurance policy to help you overcome to hard times. This can only happen when you get an insurance from reliable companies. To be sure about this, you need to understand the following facts about companies that sell burial insurance.

What you should know about companies that sell burial Insurance

The quotes can be customized

dsfdsfsdfsdfsdfThere are no rigid terms when it comes to what you can get from these companies. If you ask for a quote from several companies, you will notice that there are various things that they consider and therefore, their quotes will be different. However, what many people do not know is that these quotes can also be tailored according to the needs of every applicant.

For instance, if you are aging but still want to travel the world, your burial insurance needs may not be the same as someone who has been down with chronic illnesses for long. You, therefore, should talk to the insurance company to see if they have anything unique for you.

You do not have to wait for too long

Contrary to what most people have been made to believe, companies that sell burial insurance do not have to take too long in order to approve your application. It is true that there are those that have long procedures. However, if you look at the ones that have come up recently, you will notice that changes in technology have also affected the way they do business.

In fact, there are those that do not require any paperwork, and you can even apply online. It means that regardless of your needs, you can get a quote and an approval instantly.

You do not need medical exams

gfhfghgfhgfhgfhfghSeveral years back, insurance companies that sold these policies would require you to go through vigorous medical checks. They wanted to know everything about your health before they can insure you. This also meant that a lot of people were either turned away or slapped with huge premiums based on their health.

However, things have since changed, and that is the reason you no longer have to go through these checks. Some companies will agree to insure you no matter what your situation is and so, they help to take the burden off your shoulders.


If you are looking for the best companies that sell burial insurance, you should look at their relationship with their customers. Look at how they operate especially when it comes to compensation. If they have too many disputes with their customers, it is an indication that you may have to search for help elsewhere.


How To See Financial Danger

Life moves faster, and you can easily find yourself in financial trouble. If you are thinking to solve your financial problems, then need to know how to identify financial danger. If you do not identify these indications, then your financial problems can get too bad. Accessing your situation carefully may need professional help.

Ways of identifying you are facing a financial danger

You can pay only minimum payments using credit card


If you can pay minimum payment from the credit card, then this is a clear indication you are struggling. This could imply that you make less than you owe and this is not a good situation. You tend to end up paying a lot of money I interest fee and late payment in a short period. If you cannot control your credit card payments, then you are in danger financially.

When you pay for necessities using credit card

Using your credit card to pay for necessary items like food. If paying for necessary items with using cash becomes difficult then you are putting yourself seriously into debt. You may already be in debt and cannot afford necessary items since you are paying the credit card and this cycle continues.

When debt collectors start calling you

If you start receiving calls from debt collectors to try to get you to pay whatever you owe their companies, then you are in danger financially. If your credit is suffering greatly than paying bills on time may be difficult. Debt collectors only make phone calls when one is seriously delinquent in bills payment.

You do not want to see you financial information

When you find yourself afraid to look at your credit card or bank account since it is not pleasant due to huge debts that you are suffering from. It is, however, important to look at your financial information to know your exact stand as this may help you later.

When you do not know how much you owe

bankruptcyleftastdghfgkjIf you cannot give details regarding your finances, then certainly the situation is out hand. You have to know exactly what you owe and payment made as this is the first step to becoming financially responsible.

Turning the situation around is never too late, and you should start getting back on track. You can easily reverse the situation by getting advice about the next step to take from a professional. You may also do research online to find an organization which may help you with getting control of your financial situation.


Redeemer Seminary Main Page

Redeemer Seminary is the new name for the Westminster Texas Campus

J. Gresham MachenSince 1929 Westminster Theological Seminary has been training “specialists in the Bible” who minister the gospel worldwide. In 1999 Westminster began a Texas Campus to extend the knowledge of the glory of God in Christ through offering theological education grounded in the seminary’s core values and serving churches and communities in the Southwestern United States. By God’s grace, the Texas Campus has graduated students who now serve churches and ministries across the United States. In 2009 Westminster Theological Seminary launched its Texas Campus as Redeemer Seminary, an independent institution which shares the core values and theological commitments upon which Westminster was founded. Westminster concludes its M.Div. and M.A.R. programs in Texas in cooperation with Redeemer during the transition. New students enroll as Redeemer Seminary students. For more of our story, read about Redeemer

Our Purpose at Redeemer Seminary

The purpose of Redeemer Seminary is to form men for the gospel ministry, who shall truly believe, and cordially love, and therefore endeavor to propagate and defend, in its genuineness, simplicity, and fullness, the gospel of our Lord Jesus Christ as revealed in the inerrant and infallible Word of God and summarized in that system of religious belief and practice which is set forth in the Westminster Confession of Faith and Catechisms and which is integrally related to the fundamental principles of Presbyterian church government; thereby, cultivating and sustaining genuine Christian devotion with sound learning.



A second purpose of Redeemer Seminary is to furnish training in Scripture and theology to men and women who are preparing to serve Christ and his Church in vocations other than the gospel ministry so that the whole body of Christ may be enriched.

Spiritual Formation at Redeemer Seminary

Through our teaching, professors, community worship, personal relationships and mentoring, Redeemer seeks to spiritually form students for ministry by helping them see and experience the power of the gospel at work in their own hearts and lives.

“The whole Old Testament is all about the gospel and the gospel is all about Jesus Christ.”
Dr. Douglas Gropp

“My hope for the students is that their passion for ministry will be like Jesus’ passion for ministry.”
Dr. Michael Rasmussen

“A Pastor Teacher”
Rev. William Burns

“Living the Gospel”
Professor Joseph “Skip” Ryan

“A Disciple-maker Must Be A Disciple”
Professor Dan McCartney

“What is Biblical Counseling?”
Watch Dr. Paul Tripp answer.

The Gospel in the City – Students reflect on a recent
Redeemer Seminary field course in New York

“The Goal of Systematic Theology at Redeemer
– to know and glorify God”
Professor Sinclair Ferguson

“How does the Word of God connect to people’s lives?”
Professor Adrian Smith

“Why study at Redeemer?”
Students answer

Listen online to Dr. Tim Keller speak on
“The Gospel of Peace” from Philippians 4:4-12.
Dr. Keller spoke Wednesday, January 26, 2011, at an event sponsored by Redeemer Seminary and hosted at Park Cities Presbyterian Church.

Dr. Tim Keller

Listen to the Inaugural Convocation of Redeemer Seminary

Redeemer ConvocationSoloist: Steve Williamson, “In Christ Alone,” by Keith Getty

Speaker: Dr. Tim Keller, introduction by Dr. Skip Ryan (message begins at 13:00 minutes)
Launch external player to browse web while listening Download mp3 of Redeemer Seminary Convocation
Convocation Program PDF | Pictures of Convocation
On Monday, February 16, 2009, the sanctuary of Park Cities Presbyterian Church filled with students, faculty, trustees, pastors, church planters, campus ministers and others who came to celebrate the launch of Redeemer Seminary.

Redeemer President Steven Vanderhill presented the faculty and board of the new seminary; Dr. Peter Lillback, President of Westminster Theological Seminary, lead the congregation in prayer, asking for the Lord’s blessing upon Westminster’s newest daughter seminary; Redeemer Chancellor Dr. Skip Ryan celebrated the Lord’s goodness in establishing Redeemer; and speaker Dr. Tim Keller encouraged the Redeemer community to continue the emphasis on connecting church and seminary together in the spiritual formation of students preparing for ministry.

Seminary Profile

In 2009, Westminster Theological Seminary launched its Texas Campus as an independent seminary which is now called Redeemer Seminary.

The Commission on Accrediting of the Association of Theological Schools, at its meeting in February, 2011, voted to approve Redeemer Seminary as a Candidate for accredited status. The Commission on Accrediting Board of Commissioners recognizes candidacy for accredited status as its official preaccredited status.

Academic Programs
Redeemer Seminary offers the M.Div., M.A.R., M.A., and Certificate in Christian Studies programs. Westminster concludes its M.Div. and M.A.R. programs in Texas in cooperation with Redeemer during a transitional period.

Two Turtle Creek BuildingInstruction is provided by the full-time Redeemer faculty, adjunct faculty, and some visiting faculty from Westminster Theological Seminary Philadelphia.

Redeemer Seminary is committed to keeping a student’s tuition expense as low as possible by offering scholarships and encourages students to “pay as you go” rather than accumulating debt. Therefore, Redeemer Seminary does not intend to participate in the Federal Stafford Loan program. For an analysis of the problem of student loan debt, please see the published research study, “The Gathering Storm – The Educational Debt of Theological Students”

Redeemer occupies facilities in Two Turtle Creek, an 18-story office building. The 8,000-square-foot suite offers three classrooms, a library, administrative and faculty offices, a student computer lab, videoconferencing capabilities, and a kitchen. The Seminary’s facilities also contain the office of the Southwest Church Planting Network, a ministry of four PCA presbyteries in the Southwest.