What are the pitfalls of bad credit personal loans

The industry is plagued by predatory lenders and practices designed to trap vulnerable borrowers. As a borrower with bad credit, the options for loans are limited and usually not very good. Within the available loan option, as a smart borrower be aware of the reigning pitfalls. Be proactive at the beginning of your personal loan journey thus preventing trouble along the way.

Most common pitfalls and scams to stay away from:

Roll over of the loan to another term As many people have difficulty in repaying the loan within a short span of time, the loan usually rolls over for one more term thereby making the original loan more expensive. This may also lead you to a vicious cycle of debt. To avoid this mishap always ensure that you can repay the loan in its entirety on its due date.

Astronomical APR
As a borrower with bad credit, you will be eligible only for pay day style short term loans and they usually have very high-interest rates (ranging from 230% and upwards) leaning on shark loan territory. Ensure to avail these loans only in true emergencies.

Multiple fees structure
Especially online lenders levy a variety of fees like origination fees and various other range of fees. Always read the offer document carefully.

Check if the lending company is accredited by the BBB. The newer online ones are usually not. Many lenders do not offer secured loans.

Expensive insurance add-ons that ensure that the loan is paid back if you die or get disabled, are slipped in by some lenders.

Upfront fees
It is illegal for lenders to charge you fees for just filling up an application form.

Lenders with the intention of scamming the borrower usually advertise approval of a loan without knowing your credit history, income, and personal information. This is not a legitimate lender – stay away.

Uninitiated contact
Another tactic used by illegitimate lenders to lure vulnerable borrowers is by constantly getting in touch through emails and calls. This is another red flag.

Name imitations
Disreputable lenders may use similar sounding names of legitimate lenders. If they have to borrow the reputation of the legitimate lender, it goes to show how unethical their practices are.

Collecting personal information
Please provide your personal information only to reputed companies so as to avoid identity theft and another misuse of data.

Undue pressure
Lenders may use scare tactics to pressurize you into making a deal before having considered all available options.


  • 5 Popular Products for Bikini Line Hair Removal
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    Ways to get bikini line hair removal

    Here are some of the ways in which you can get bikini line hair removal done.
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    Con-Air Sanity Smooth
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    Veet Gel Hair Removal Cream
    If it's silky smooth skin that you are looking for, this bikini line hair removal cream is the right one for you. It takes a very short time to get there too. While shaving can leave your skin feeling dry, you won't have to worry about the same with Veet. It contains oils that hydrate the skin and make it healthy. It removes the hair till the root, reducing the growth as well. This way you need not worry about bikini line hair removal for a long time. This is one of the best methods you can go for as it has ingredients like essential oils, eucalyptus, and vitamin E. Ensure that you follow the instructions when you use it. Don't leave it on your skin for too long and wash the area thoroughly soon after.
    Nair Sensitive Hair Removal
    When it comes to bikini line hair removal, this is the best one to go for in terms of quality and cost. It also has exfoliating properties that will make your skin more breathable. The moisturizing effect you get from this product will leave your skin feeling soft for several days. The ingredients in this cream are camellia oil which treats rough skin. All you have to do when you use this product is follow these few steps. Apply the cream to the area where you want to remove the hair, after leaving it on for a few minutes, wipe it off. And finally, rinse the surface and ensure it is rid of the product.
    Andrea Bikini Hair Removal
    This is a very popular bikini line hair removal that is used in many parts of the world. It is a Brazilian wax that is used to remove the hair from even the most delicate parts of the skin. It is rich in iron and vitamins C and E. It also has banana fruit extracts which contain antioxidants. These ingredients will fight free radical formation and make the skin healthy. The formula used in this bikini hair line removal product makes it suitable for all skin types. It does not contain a lot of chemicals, making it one of the best ones available in the market. You won't have to worry about hair removal for about eight weeks after using this product.
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  • Ways to file a tax extension
    You need to prepare beforehand to file your tax returns around the end of every financial year. Suppose if you are busy and do not have much time you can request a six-month filing extension by submitting the right form to the internal revenue service. Form 4868 is the application for tax extension of time to file US individual income tax return. Requesting an extension is not a tedious task it can easily don't electronically or on paper. Electronic filing E-file is the electronic filing system of IRS which lets you send in tax forms including form 4868 straight to the IRS computers. By filing this form 4868 electronically through IRS e-file from your personal computer or with a help of tax professionals who uses e-file, the taxpayers can help themselves by getting an extension of time to file their tax returns. The IRS would notify you by sending an electronic acknowledgment which you can file along with your tax records. If you earn around $64,000 as an adjusted gross income you can use the brand name software at no cost from the free file. The taxpayers are benefited largely by this free file service with e-file options and free federal tax preparations. There is a tie-up between IRS and commercial tax software companies which offer fillable form tools for those who get a gross income above $64,000. Filing my mail Filing by mail is a substitute for electronic filing. You can also get the form 4868 in the paper version which can be downloaded from the IRS websites, if not you can also request for the form to be mailed to you by filling out an order form on the IRS website. Alternatively, you can also call to the IRS to apply for a form. But if you are a taxpayer who falls on a fiscal year it becomes a necessity to file form 4868 in paper form. Extension time from state levels Every state has its own rules and regulations for tax extensions. While some may offer a six-month period of extension to all taxpayers uniformly and others have to request for an extension of time by filing a specific form on or before your return's original due date. In certain states, the tax is never imposed hence you file neither a return nor an extension request. You can generate the form using commercial tax preparation software or it could be easily found in the state jurisdiction's website. As per the rules of the state authorities you can extend more time only to file your returns and not to pay your taxes. To avoid penalties and interest you can pay a sum that you might owe and present it as a payment to the tax powers.
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  • Enjoy hassle-free cleaning of clothes with top load washers
    The invention of the automatic washer is a blessing for consumers as it saves them a significant amount of time and effort to clean clothes. There are different types of load machines like top load washers and front load washers that work by combining the mechanical energy of the agitator, thermal energy of water and chemical reaction of the detergents added to it, which in turn cleans the clothes efficiently. How do top load washers work? The designs and features of the top load washers differ from one manufacturer to the other, but their essential components remain the same. There are two primary components in top load washers namely -
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    • The control system
    The control system consists of the control boards, load size selector, timer, locking switch, and water temperature selector while the mechanical system comprises the motor, clutch, inner and outer washing agitators, transmitter, pumps, motor coupling, suspension system, and water valve. These two components are present in the two of the best top load washers available in the market today. They are -
    • Standard top load washers
    • Highly efficient top load washers
    Thanks to technology, the top load washers have tremendously advanced and improved over time today, just like their counterparts, front load washers. A high-efficiency top load washer works twice as faster and better than a front load washer, and it is safe to keep the laundry down for an hour or so before you pick them up. The state-of-the-art designs of top load washers have seen a positive change from their primitive types, thereby raising the reliability of top load washers in the cleaning section today. The top load washers come in various sizes and capacities to hold water. The water efficiency of the washers is mentioned using the term “water factor” and ratings are given for the accuracy of the water used. The ideal top load washers have high water factor with good ratings, and thus it is easy to choose them among others while buying.
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