An Outline of Personal and Business Loan Categories and Their Uses

The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

  • Personal Loans

Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

  • Business Loans

SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are usually from large corporations or a bank. The lease term can vary from one to
five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.

Rhino Off-Road To Produce Rough Terrain Vehicle

The Rhino Outdoor International, Inc. (ROI), a leading outdoor activity based business, including Rhino Off-Road Industries, Inc., its entirely owned subsidiary, earlier announced that the company has formed a strategic alliance with the Arizona Emergency Products (AEP), a famous provider of emergency equipment to government agencies.

The alliance is aimed at designing and producing a specialized Rhino Off-Road Industries RTV to meet the unique needs of first response and search and rescue groups. The “Rapid Response” Rough Terrain Vehicle (RTV) is inspired by the innovative Rhino Off-Road Industries RTV design platform, which is now being produced for both the competitive and recreational off-road marketplace.

In producing the RTV, refinements were entertained to enhance the capabilities of the vehicle for the first response activities in rugged off-road terrains that are inaccessible at present to most vehicles. The main design considerations include increasing the wheelbase to accommodate extra passengers and equipment.

Other considerations include expanding the battery capacity so as to support communications and lighting, creating space to allow for emergency equipment accessories like tool boxes, winches, medical equipment and poly-tanks for fire retardants. These retardants can be refilled by a helicopter.

The AEP is known in the manufacture of vehicles for law enforcement, Homeland Security, fire departments and search and rescue organizations. “The Rhino Off-Road RTV is unlike any other vehicle now in use by the emergency response industry,” said Mike Chamberlain, the owner of Arizona Emergency Products. “It’s designed to go anywhere – and when outfitted to meet the needs of firefighters, police, border patrol, and others – it will allow for rapid response access to areas previously only accessible by horse, foot or helicopter.”

In the past couple of months, the AEP has field-tested the Rhino Off-Road RTV with its customers. This is done to get feedback from them. “Without exception, the response has been very positive”, continued Chamberlain, “everyone who has seen the RTV in action has requested a follow-up demonstration of the prototype and is interested in placing an order.”

ROI and AEP are sharing the cost of development for the prototype version of the RTV. The final design of the RTV is expected to be completed in a matter of 90 days. ROI will be the one to deliver the vehicle. AEP, on the other hand, will install the necessary accessories to meet the needs of emergency response groups. The vehicle will also be given a simple manual which could be likened to Nissan repair manuals.

“Mike Chamberlain and AEP have brought a tremendous amount of expertise to the design table,” said Howard Pearl, the CEO and the President of ROI. “We created the RTV to go just about anywhere. The fundamental design platform is ideal for first responders needing access to backcountry and off-road terrains.”

He added, “The strategic alliance with AEP allows us to learn directly from professionals in emergency response who use this vehicle in search and rescue and rapid response situations. ROI and AEP are creating a specialized RTV that will carry emergency personnel and equipment to and from the most remote locations. This is a fantastic application for the RTV and is a growing, untapped market. You can’t imagine how excited we are to be making a contribution in this important market space – this is the type of opportunity for growth we are constantly seeking.”

Real Estate Services – Business Immune To Internet?

Real estate services business is one of those verticals with an overwhelming number of websites. There are thousands of websites with apartments and villa listings. But does it really mean that this internet model of business generate a proportionate amount of revenue? Well, not really!

By many ways real estate services is one of those businesses that are ideally suited for a net based model. On one side you have a seller who wants to sell his property and other side you have a buyer who wants to buy a similar property. The seller lists the property for sale on a website. Prospective buyers finds it on the site and if found suitable, the buyer and seller come to an agreement for sale. No searching for agent, no commission. It all looks so simple. But it seldom happens that way.

The sale of a property incurs an agent commission of 2.5 to 6% (depending on your country, region, agreement with agent etc) of the sale price. The above described scenario means only a small listing fee to be spent by the seller. Consider the online recruitment business where a similar situation exists. It has done very well unlike real estate websites and sites like monster.com and hotjobs.com have a high brand recall. But a similar success is not found for real estate services websites. Spare a few like loopnet.com and costar.com which has found success in the commercial real estate sector. The truth of the matter is that the real estate multiple listing service (MLS) and agents tightly guard the seller data and other information. However, some other reasons also exist.

A real estate listing, unlike a job listing, needs to provide more information to look credible for the buyer. Collecting the required data, pictures of the property, (even videos some times) recent sales data, above all removing outdated data from the database, all this needs money to be spent.

Not all those who buy and sell property are negotiators. The agent claims to be one and normally takes such a role. But on most cases, they just make both the buyer and seller feel good about the deal. Both parties feel they negotiated and got the best deal. Also, not everybody wants to publicize that their property is up for sale, especially for commercial properties. An agent is entrusted to find buyers for the property.

There can be a solution for most of these issues. A real estate website can still provide the first level of information to seller. At least it can narrow down the search to a few properties of ones choice. With a little effort one can get additional information necessary for deciding the suitability of that property against your requirements and budget. As for confidential listing of property, this can be incorporated in a website. For example, KeralaListings.com a property marketing company hides the seller data and other traceable information from a property listing if tagged ‘confidential’ by the seller. This listing appears in search results for the given parameters and the prospective buyer can email the seller of his interest in the property.

As real estate websites adopt steps, to provide information which is updated and verified, this business model will gradually pick up. Though the cost of maintaining such sites is slightly more, this should gradually increase public trust on this model. Even with all this, the cost of property transaction can reduced considerably. Not to mention about the time saved for finding a property.

Home Based Business Trends In A Fragile Economy

Home based businesses are many with some that are truly legitimate and others that are out to put a deep hole in your wallet. With today’s fragile economy, millions of people out of work and a shrinking middle class, there are those of us seeking ways to increase our financial means to make ends meet or to simply keep food on the table for our families. I’ve been a victim of the scams and have invested hundreds (if not thousands) of dollars seeking out the latest home business trend. But I have also learned a lot along the way and have acquired some tools to success that I would like to share with you to avoid any pitfalls you may experience in your search for the right opportunity.

#1. Product. You need to choose a product that literally most everyone needs. Think long and hard about this. Not everyone needs or likes healthy chocolate (I personally know someone who is allergic to it). The market is also flooded with many nutrition supplements claiming to be the next big trend. There is liquid form, pill form, shake form, juice form, etc. So which do you choose? Not to mention the expense and investment in such a venture. Don’t get me wrong. There are many fine health and wellness opportunities out there but they require a large financial commitment and again isn’t necessarily something most everyone wants or needs (we are in fact one of the most obese nations in the global market). Consider something such as cell phones. Nearly everyone has them everywhere you look and nearly everyone needs them. Even my 10 year old son is begging me to get him one since many of his friends already have them. The cell phone industry is exploding and more and more companies are popping up on the market.

#2. Affordability. As I mentioned earlier there are many legitimate home based business opportunities but they require a large financial commitment on your part and with a fragile economy this just isn’t an option. So along with the right product you need to have the right price. Opportunities that are too inexpensive (such as an opportunity for only $97) require hundreds of people in your downline just to make a few hundred dollars. Home based business opportunities that are too expensive are simply that-cost prohibitive and you don’t stand a chance at seeing a return (such as those opportunities that cost $1995-$3995). I’ve found that the latest legitimate home based business trends are priced between $300-$500. These are reasonably affordable even in a fragile economy and can get you up and running in no time. It will have you seeing a return on this investment within a few weeks to a few months.

#3. Team. I can’t stress enough how important it is to have a strong support system in place. Too often we are left to fend for ourselves after signing on with an opportunity and spend months trying to figure everything out ultimately ending in failure. A duplicatable, automated selling process, turn-key system that can run on auto pilot is vital to being successful with a home based business opportunity. These duplicatable systems can be achieved through websites and lead capture pages (which are generated by the company and given to each of their reps to build their business), DVDs explaining the opportunity and most importantly a way to market your business through offline methods (such as postcards and sales letters) in addition to online methods such as pay per clicks or cost per clicks. There are other online methods such as blogs, social media, articles and more but these systems are not easily duplicatable by everyone and requires a great deal of research, practice and trial and error to be successful with these methods. With the flood of online advertising, offline old-school mailbox methods such as postcards promoting an opportunity are becoming the trend among home based businesses.

#4. Leverage. The fourth and final point is leveraging a powerful system with the right opportunity that allows you to:

1. Make a lot of money

2. Make a lot of money quickly (and I don’t mean within 48 hours-let’s be reasonable here). You could with the right system be making money within a few weeks to a few months.

3. Be able to work from home only a few hours a week on a schedule that YOU decide

4. Have a business working for you even when you are not-translates to a 100% automated sales process from the moment your prospect sees your offer. This means:

-No personal selling
-No phone calls
-No hotel meetings
-No emails
-No sharing with friends and family

There is a lot to consider when seeking out the next home business trend. What I can tell you is from my experience, by using the tips I have mentioned as tools for researching and crafting a home business opportunity that’s right for you, it will greatly increase your chances for success.

The Travel Career in nursing and it is Advantages

There are quite a bit of profession prospects accessible to nurses today. Nurses can be found in various medical areas a variety of medical establishments for instance hospitals, schools, government, medical clinics, nursing homes, administration, plus more. One sort of nursing job that may be now being chosen by more nurses because several positive aspects will be the travel career in nursing.

A travel nurse is usually a nurse who goes toward areas everywhere over the nation and works for a medical facility for any set specific time. These nurses are replacement workers for nurses who’re away for reasons like if they’re on the holiday to have an extended period of time. Since the nursing positions are temporary, the employer will be expecting a nurse who does not have for being trained or supervised.

As a travel nurse, you require some important qualifications. You will need to be considered a licensed nurse that completed the nursing program from a certified school for nursing. It’s also advisable to been employed by being a nurse for the year or higher. Employers rely on travel nurses to be prepared to leap into work can be with the necessity for supervision or much training. To obtain a job as a travel nurse, most nurses will join a nurse recruiting agency.

A nurse recruiting company assists employers in the healthcare industry hire travel nurses to temporarily replace nurse on leave. Upon joining a staffing company, every one of the specifics of the nurse such as qualifications is set up a database. When an employer requests a nurse for the short term job vacancy, the agency will quickly realize the proper nurse to complete the job. The agency will help make a phone interview between the employer and nurse, assist the nurse with pay for it for travel, get the right nursing licenses, and help with finding suitable housing. A nursing staffing company could also offer courses to help keep nursing skills and knowledge on issues within the medical industry.

You can find nurse staffing agencies that provide nurses to employers needing temporary workers. As effectively, a travel nurse in most cases obtain compensation for travel relates expenses. There can also be a housing compensation and medical insurance benefits. Using a travel nursing career, flexibility is really a benefit as a nurse can choose the type of work assignment that meets the requirements and preferences. They even have a holiday between work assignments. As nicely, this can be a fun and lucrative way to see the country. If a nurse isn’t ready for any full-time career available as one place, travel nursing is a superb choice.

Nursing travel jobs tends to make a lucrative income because these nurses need to be experienced and ready to travel and begin work competently the first day. For nurses trying to travel as well as a great living, the travel nursing profession may be the solution. They also receive the good thing about working in different medical environments and experience new places. When nurses attempt this kind of career, they soon discover travel nursing is often a rewarding and lucrative career.

The Importance of Having Physician Lists Handy

Selling pharmaceutical products, medical equipment and services is the niches’ niche. Previously companies and corporations that handle these sort of business transactions often do their marketing internally or have special relationships set up with either health group collectives or certain factions of government supported or aided organisations. Like other businesses, giant pharmaceuticals to even smaller retailers or wholesalers of medical equipment and services (including pharmaceutical grade drugs) have shifted part of its marketing strategies to the virtual worker – where the internet and offline direct marketing can increase their reach and profit margins. This is where the importance of having physician lists handy would be applicable to the direct marketing manager – giving them a highly targeted and volumous list of potential sale leads.

The amount and variance of products that can be found within this niche market is both wide and sometimes overlapping. From general practitioners to dentists, there are many products that either have a general market appeal or specialised products that can enhance the methods and operations of specialist medical practitioners all over the world. Because the lists are highly concentrated and more often than not verified multiple times, you are ensured of having a several groups of potential clients you can use to call and follow up on.

The medical industry is booming all over the world – with U.S.A being a prime example of a country that is on the cutting edge of the medicine. Many companies and laboratories are coming up with newer, better and more advanced methods and traditional means of information dissemination just cannot keep up with these developments. These companies are reviewing their methods of personal door to door selling or direct mail – because of the limitations of their workforce and the time taken for leads to be generated. Product insertion into the marketplace also takes quite a bit of time with this method.

This is where the internet comes in, especially with the advances of online marketing and digital fax – an ability to reach over thousands of prospective in a short period of time. Having a physician list handy means you can acquire and target which market to sell to and how the brand of the product you are selling can resonate with certain individuals. It also allows the direct marketing agent to target several overlapping markets and introduce new, revolutionary products that have a wide application. Marketing by its nature should never be limited and having as wide and as targeted a reach as possible means better sales and more leads.

Invest in a good physicians list – it can mean make or break, especially when you are dealing with such a niche market. Competition is quite stiff as well as you have quite a number of corporations jostling for selling space both offline and online. Lists like these have changed – becoming marketing necessities rather than just a complement to strategy. Specifics work wonderfully here and they have helped a lot of people make a tremendous amount of money just working from home.

Online Savings – 10 ways to save money this week

They want to save money, without all your time? ‘re In the right place. Save time and money with these links. Here are ten things you can do to save money right now.

1. Add online savings groups. There are hundreds of online forums, in conjunction with others who want to save. Have links to printable coupons for free, saving newsletters, sales and market knowledge and time.

2. Start clipping coupons. Yes, couponsback. The bond that producers of an economy in decline. You want to continue using their products to consumers and to keep the scoring head.

3. Shop with coupons. Several retail chains have special clothing coupons that are good for now slow. Many of them are in the morning or afternoon to work on weekends, so that consumers can also take advantage of discounts.

4. Do not buy! If you think you want something, you take the time to decide whetheror not.

If you wait 24 hours and still want an item, then buy. You’ll probably forget all about this cute pink blouse, as the day goes.

5. No food. You can save $ 50 – $ 100 a week from packing lunch or dinner in the country. There are some free sites that offer excellent food ad budget.

6. Bill to pay online to save postage. Almost all banks and utilities are free payment options online.

7. Start the revocation orSubscriptions do not use anymore.

8. Check your wireless plan. Most companies offer a change of provider that you save money. When not at the moment, you can get $ 30 a month, except in the case of a revision of its package of mobile telephony.

9. Parking. If you really do not need to make additional trips.

We are so conditioned to jump in the car and ran. Shopping Group tours and shopping in one day. Save time andMoney.

10. Keep a list of all the goods or services costing more than $ 10, you must buy this week. Check the list twice, if you really need to online billing to see if the manufacturer does not offer discounts or coupons before you buy.

Shopping For a Petite Body Frame

When it comes to fashion, a significant part of looking good has to do with dressing for your body type. After all, the most fashionable of clothing items simply won’t do justice if placed on the wrong body. However, while assessing one’s body type with relation to clothes shopping often has to do with specific features of the body – such as the width of the hips, or the length of the legs – some ‘body types’ can come to mean various things; the ‘petite’ body being one of them.

When people come across the word ‘petite’, they often immediately think of a person with smaller dimensions all over – whether it’s in their height and weight to the length of their limbs and torso. However, while the word generally refers to someone who is 5’4″ or shorter, many dimensions can still vary greatly. For instance, many petite people have long torsos and short legs, or vice versa. What’s more, weight can vary significantly from one person to another, with dimensions in features such as hips differing just as much.

For this reason, it’s often challenging for some people to find clothing that fit them well. A petite person will often have to shorten the legs on trousers or the seams on dresses due to their height. However, if they opt to shop for generally smaller sizes for height, they might end up with smaller clothing dimensions for features such as hip width – which isn’t always ideal. So what’s the best way to go about shopping for a ‘petite’ body frame?

It helps to seek out stores that offer specialised departments for petite sizes. Doing so can take a lot of the effort out of searching for sizes, and enable you to focus more on finding fashions that you like. Of course, even petite departments will have a lot of variance in sizes due to the fact that the term can apply to people of various body dimensions.

Once you’re shopping for the right sizes, it helps to keep a few tips in mind with regard to the look you’re trying to achieve. Therefore, try going for high-waisted, figure hugging trousers to elongate your legs; however, if you choose to wear low-rise trousers, ensure they’re not too short. Another way to make your legs look longer is to wear high-heeled boots (not too high though – 5 cm max will do) with short dresses and skirts that fall anywhere above the knee.

Wearing similar-coloured tops and bottoms – as well as wearing a belt that’s the same colour as your skirt or trousers – will help elongate your silhouette too. If you like prints then opt for small, vertical prints and motifs, particularly avoiding horizontal stripes. And don’t wear oversized accessories such as large jewellery pieces or sunglasses – you want to ensure accessories stay in proportion with your size. If you want to look taller, you can try wearing buttoned shirt dresses or tying long, skinny scarves loosely round your neck. You can also put your hair up in a bun or wear a headband to elongate your top half.

When it comes to shopping for petite clothing there are many ways to achieve the look you want. However, be sure to keep some specific shopping tips in mind in order to help you look your best in a wardrobe that’s right for you.

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!