Vectors and 3D Models
Local Search - Finance
Weather Information
Get the App for Smartphones and Tablets

Go Back

WhmSoft Free Articles Directory
Free Articles for Reprint
Free Articles to Publish
Free Articles for Newsletters
Videos to Watch

Page Generation Date and Time:
12/08/2019 09:34:25

Free the Animation VR / AR
Play to reveal 3D images and 3D models!
Demonstration A-Frame / Multiplayer
Android app on Google Play
vlrPhone / vlrFilter
Project of very low consumption, radiation and bitrate softphones, with the support of the spatial audio, of the frequency shifts and of the ultrasonic communications / Multifunction Audio Filter with Remote Control!

Alexa Data

Go To Articles Directory Home Page

To get the current article, - See Below (at the bottom of the page) -.
For top news titles, see below.
Web sites and videos listed in this page are frequently updated.
If you find that this page is useful (quality of web sites, images and videos, ...), you can add it to your favorites.
Bookmark Page !

Tell a Friend:

With your mobile phone (WAP / I-Mode / iPhone / PDA), for free:
The Top News -
The Daily Files -
All the Directory Files -

Web version of feeds:
Podcast Music -
Daily Files -

You can play the Guitar Drum Revolution game (flash game) by following the link below:
Play Guitar Drum Revolution Game

You can play free online games (flash games) by following the link below:
Free Online Games

Play the samples below:
Exploding Stick WayPhoenix RevengeSnow RiderLa Chambre D EvaSnowy Treasure Hunter 2

You can view the people (celebrities) news and the front page news (with videos, images and constant updates) by following the link below:
View Recent News
or by visiting the WhmSoft Service blog:
News Photos Slideshows

Article Keyword Videos to Watch
Click on the image to start the video.

Related Topics
Images - Links - Articles

Atlantic City

Related Images

Article Category Videos to Watch
Go to the Videos Pages

Tips for Loan comparison

Personal loans,credit cards, mortgages and over drafts offered by various personal loan lenders ,private lenders and companies may sound very cheap. You may be enticed by companies offering very low rates of interest. Do not just look at the rates of interest to decide on a personal loan types or credit card offering. They may have a lower introductory rate of interest and may revert back to a higher rate of interest after some period of time. What are the other things you need to know to find best personal loans?

Additional information can always simplify your decision making process. These are the thing you need to know. Make your calculation simple with the following facts.
• What is the principal?
• What is the rate of interest (calculated annually)?
• Are there any other additional payments that you need to make? (arrangement fees, closing fees etc…)

After obtaining information about all the payments including lawyers fees and the total number of years for repayment you can calculate the actual rate of interest. Add all the possible fees and expenses. Subtract the actual money you are getting from the total amount. Divide the result by the amount you got and the total number of years and you will get the annual percentage rate. There are many online annual percentage rate calculators. These can help you in case you find math calculations difficult. Another important table that you could ask the lender is that amortization schedule. This will give the details of pay back with monthly break up of payments. It should clearly indicate the amount deducted from interest as well as that deducted from principal. A further description of APR/AER can enlighten you more.

Annual Percentage Rate/ Annual Equivalent Rate
Any loan or credit agreement can have varying terms
• Interest Rate structure
• Transaction Fees
• Late Penalties
• Other factors

By law, ‘the Federal Truth-in-Lending Act (15 U.S.C.A. § 1601 et seq. [1968])’, credit card companies and lenders should show customers the APR to facilitate a clear understanding of the actual rates applicable in agreements. You may be taken for a ride by the companies who give their interest under different terminology. Various ways to express an effective annual interest rate of 10% are
• 0.7974% effective monthly interest rate
• 9.569% annual interest rate compounded monthly
• 9.091% annual rate in advance
By getting the APR you would know the total cost to be incurred by you in a year and hence you would be able to easily understand the additional costs you would have to pay over the year.

The other advantage of APR is that it allows you to compare the credit and loan offers by various companies and decide which is cheaper. It is an ad-hoc method used in comparison and may not work properly if all the information is not included in the APR. Many companies add extra fees with newer terminology such that these fees escape the purview of the law. You could calculate your own APR with out using those online.
A= P(1+rn) . A is the total amount to be paid for the loan including its principal, P is the amount you have received, r is the rate of interest you need to obtain. The number of years for pay back is ‘n’.

A draw back in APR is that it does not indicate penalties and other options of ARM.

Tips for you loan comparison.
• Look for terms: prepayment penalties, rate reduction option, conversion of ARM to fixed-rate mortgage, lock-in periods etc…
• When comparing look at current interest rates ( as applicable on the day you are comparing).
• Add up lenders fees and points and then compare.

About the Author: iseekloans is the exclusive site for personal loans. Information is presented on personal loans ,Personal Loan Lenders, etc… It has also got additional features such as the method of getting personal loans online, military loans etc Hope your visit to this site fulfill your purpose of search.

Recommended Web Site(s):

Easy Articles Home Page - Articles Directory

Recommended WhmSoft Web Sites, Feeds and WAP Address:

WhmSoft Software Home Page - Software
WhmSoft Services Login Page - Music and Images
WhmSoft Moblog Home Page - Blog - Photo Gallery
WhmSoft Free Online Games Home Page - Flash Games
WhmSoft Services RSS Feed - Daily Music, Image and 3D Flash Animation
Classical Music with Drum RSS Feed - MIDI and MP3 Files
Classical Music with Drum Podcast Feed - MP3 and MP3 Files
WAP / I-Mode / PDAs - Daily Music, Image and Flash Animation

Home Pages:

WhmSoft Free Articles for Reprint Home Page
WhmSoft Services Home Page - Music and Images
Copyright (C) 2006-2019 WhmSoft - All Rights Reserved.