Latest articles from Joshua.org - A Bunch Of Junk! (http://www.joshua.org/) CommonSense CMS 3600 http://www.joshua.org/ Many small business owners believe that HAL’s progeny are carrying out HAL’s murderous mission in the small business credit arena. Computers now make important credit decisions for major banks and financing companies. Each day in the U.S., computers with fancy algorithms score thousands of small business credit transactions. Though credit-scoring models work well for most small companies, many believe these systems, like HAL, have run amuck. Routinely, transactions with low scores are turned down and applicants are notified of the decision by computer-generated rejection letters. http://www.joshua.org/business-credit-scoring-is-a1238.html Thu, 28 Aug 2008 18:47:24 EDT Are you paying out too much every month for your credit cards, store cards and loans? http://www.joshua.org/how-to-reduce-your-a1237.html Thu, 28 Aug 2008 18:47:24 EDT Personal loans can be divided into two categories: secured personal loans and unsecured personal loans. http://www.joshua.org/what-is-a-personal-a1236.html Thu, 28 Aug 2008 18:47:24 EDT What are the avenues available to businesses with weak credit profiles or to companies pursuing credit transactions that are perceived as too risky by credit providers? Many companies apply for credit at banks, finance companies or equipment leasing firms and are routinely rejected due to the high degree of perceived credit risks. When approaching a credit provider, it is helpful to understand what can be done to reduce the risk of a credit transaction in the eyes of the provider. Never accept a credit rejection without considering credit enhancements. Here are a few tips on credit enhancement to help guide you in approaching the credit process: http://www.joshua.org/seven-tips-for-creditenhancing-a1235.html Thu, 28 Aug 2008 18:47:24 EDT Have you ever felt like you bought an auto and financed it and don't really know if you got the right price or financing arrangements after it was all over? Well, don't feel alone. This is a common e... http://www.joshua.org/auto-loan-buying-tips-a1234.html Thu, 28 Aug 2008 18:47:24 EDT There can be more to a bank business loan than making interest and principal payments. Your firm may get a great rate on its new credit line or term loan but you may cry on the way home when you discover the hidden fees and charges. http://www.joshua.org/hidden-bank-loan-charges-a1233.html Thu, 28 Aug 2008 18:47:24 EDT Owning a home is the most important dream of any person. It is one of the basic necessities of life as stated by Maslow in his ‘Theory of Hierarchy of Needs’. People generally desire to have a home which not only gives them shelter, but also should be the expression of their artistic tastes, and an object of pride. http://www.joshua.org/home-loans-in-the-a1232.html Thu, 28 Aug 2008 18:47:24 EDT When you set out to borrow, you often come across terms like unsecured loans, revolving loans, adjustable rate loans, etc. While these terms are more or less self-explanatory, it is still useful to be clear on their exact meanings and what they imply before you finalize a loan contract. This article gives you the details. http://www.joshua.org/facts-you-should-know-a1231.html Thu, 28 Aug 2008 18:47:24 EDT While payday loans are convenient, they're very likely not the best solution for those in a financial crunch. This article examines the pros and cons of cash advances and concludes with two key points to keep in mind about them. http://www.joshua.org/should-you-ever-take-a1230.html Thu, 28 Aug 2008 18:47:24 EDT Find out about the pros and cons of a home equity loan. Avoid the pitfalls and find out if it's right for you. http://www.joshua.org/what-you-should-know-a1229.html Thu, 28 Aug 2008 18:47:24 EDT Learning more about a Bad Credit Personal Loan. http://www.joshua.org/a-renter-in-debt-a1228.html Thu, 28 Aug 2008 18:47:24 EDT People have to work to survive. The desire to maintain increasingly indulgent lifestyles drives 13% of workers to travel over 100 miles a day to get to and from work. These so called “stretch commuters” make the majority of these trips by personal vehicle, but when it comes to trading in their tired automobiles for newer models should they just settle for a bank auto loan? http://www.joshua.org/bank-auto-loans-a1227.html Thu, 28 Aug 2008 18:47:24 EDT So you have never taken out a loan? You don’t have a credit card and you don’t have a mortgage? You always pay cash? You’re a student, a recent widow, a divorcee or from an ethnic minority group who have a tendency not to have any lines of credit? If you are any of the above then your credit score will not necessarily reflect your ability to pay as you have little or no credit history whatsoever. This will make it difficult to obtain any form of loan and in these circumstances you may have to take out a bad credit loan. http://www.joshua.org/no-credit-you-a1226.html Thu, 28 Aug 2008 18:47:24 EDT You’ve probably spent years thinking that your dream car is out of your reach. But have you though about a car loan? That car you’ve always wanted could be just within your grasp! http://www.joshua.org/get-your-dream-car-a1225.html Thu, 28 Aug 2008 18:47:23 EDT There are 9 steps to help become consistently profitable in trading. Follow these steps regardless of what markets you trade. http://www.joshua.org/how-to-make-sure-a1224.html Thu, 28 Aug 2008 18:47:23 EDT