No Teletrack Payday Loans: Loans For People With Bad Credit

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By Mario R. Churchill

Payday loans are now the most viable options undertaken by most people who are experiencing financial emergencies. It is a short-term loan that intends to handle an urgent need for cash until their subsequent payday. This new system of lending doesn’t involve a credit check which is a very good privilege for debtors with bad credit. Application for this kinds of loans are usually done online just over the internet. What makes this loaning convenient is the promptness of the depositing of money into the debtors bank account which is approximately 24 hours or sometimes even less.

To explain further Teletrack is a method that is employed to examine the applicant’s credit history and checking account. This system exposes to the loan agency the applicant’s flaw in his credit history such as outstanding checks in opposition to current loans, any imminent court judgments, files for bankruptcy and any other related problems with the credit history. These loan agencies don’t have the exigency to authenticate the information imparted by the prospective borrowers since payday loans do not encompass large sum of money other than the fact that these are only short-term loans.

Payday loan agencies suggest instant cash advance for a temporary period, typically ranging from 2-3 weeks. In comparison to traditional loan companies, payday loan agencies offer higher interest rates in order to give a faster service and to cover any risk that may be encountered in the procedure.

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Applying for a no teletrack payday loan

The only thing needed is to accomplish a form containing personal data, employment facts and selected bank account of the borrower. Some lenders who offer no teletrack payday loans obligate the borrower to fax some documents like: the most recent paycheck, a copy of the driver’s license or a banks statement or an electricity bill. In order to be eligible for this kind of loan you must be a US citizen over 18 years of age and must be a full employee of a certain company. Some lenders obligate that you should be employed with the identical firm for the past 6 months. Others require a minimum monthly income of $ 1,000 with all the taxes already deducted. These loans also necessitate checking or savings account that has a debit service. Since the process is apparently easy and simple that checking you credit rating is uncalled-for therefore giving you a probability of almost 100% to be approved.

As soon as you application is approved you can immediately and directly get your money transferred into your checking account. In lieu of these no teletrack payday loans, you won’t have to worry about rigid timings because everything is subject to your decision. Not to mention that you can take advantage of applying for it at perfectly any time you would want to.

Issues on repayment

Repayment of your loan is indicated on your application form but usually it’s the time when you get to accept your next paycheck. The lending companies instantly debit the fund and the fee from your account. In the event that you would need more time to repay your loan, you can always ask for an extension few days preceding the automatic debit. Early payment though is advised so as not to accumulate any added fees. This kind of loan could be a savior but also a burden if not paid on time.

About the Author: Mario Churchill is a freelance author and has written over 200 articles on various subjects. For information on a


or to get a

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checkout his website.


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Commonwealth Bank of Australia CEO apologies for financial planning scandal

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Thursday, July 3, 2014 

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

South African prosecutors charge ANC leader Jacob Zuma with corruption

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Saturday, December 29, 2007 


Corruption-related charges have been brought against Jacob Zuma, the newly-elected leader of the African National Congress (ANC), according to his lawyer. A trial is scheduled to begin on August 14, 2008.

The charges stem from an arms deal with a French company, which is alleged to have involved bribes and fraud. Zuma’s financial adviser at the time, Schabir Shaik, was convicted in 2005 of attempting to solicit a bribe of US$72,500 per year from the arms company on Zuma’s behalf and was sentenced to 15 years in prison. Zuma was fired as deputy president in 2005 by South African President Thabo Mbeki due to the scandal.

Two-term ANC leader Mbeki recently lost an ANC leadership contest to Jacob Zuma, who garnered about 60 percent of delegate votes in his win.

Zuma had been charged with corruption in 2005, but the case was dismissed on procedural grounds. Michael Hulley, Zuma’s defence lawyer, indicated that they will strongly contest the new charges in court. Hulley also suggested that the South African government’s National Prosecuting Authority (NPA) and its anti-organised crime division known as The Scorpions, have carried out a smear campaign against Zuma.

“These charges will be vigorously defended, in the context of the belief that the Scorpions (NPA) have acted wrongly and with improper motive calculated to discredit Mr. Zuma and ensure that he play no leadership role in the political future of our country,” said Michael Hulley in a statement.

Given that the ANC has been the governing party in South Africa since the end of apartheid in 1994, it is likely that Jacob Zuma could become the next president after general elections in 2009. Zuma has said, however, that he would resign if he was found guilty by the courts.

Care Home Equipment For Every Day Use

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Care home equipment for every day use



As all of you will have undoubtably gathered, the country is in pandemonium and frenzy of late, the cause of this being the ungodly amount of snow that seems to have covered our once drab and barren land. To some this is a very charming change of scenery, snow being a comfort to see outside on a cold day, but to others, it is an annoyance and hardship that can have harmful and devastating consequences.

Snow not only causes accidents and falls for some folk, A & E being rife with victims of the \\’charming\\’ weather conditions, but it can drastically effect the elderly and disabled who in the best of weathers find living from day to day a hardship without a certain amount of help. Mobility equipment and nursing facilities are essential when extreme weather conditions are in full swing, the reasons for this being far more than simply aiding those who are vulnerable to physical accidents.

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The equipment that exists to aid mobility ranges from stationary apparatus such as beds and chairs, to lighter, more manoeuvrable pieces, such as hoists and lifts etc used in more moderate cases. The weather affects those who suffer from disability or sever old age in different ways, but snow is both extremely cold and treacherous to travel on, making it especially dangerous to those who would usually seek mobility equipment.

Levels of mobility impairment range from a lot to a little, and because of this, the severity of equipment designed to help ranges also. For those who simply find it difficult and a strain to perform day to day activities, no matter how minor these may be, there is a large amount of physical aids that can help people such as this live life that bit easier. Mobility equipment is after all, designed to help mobility for those who struggle to do so, and pieces such as patient hoists, stairlifts and mobility scooters help people perform otherwise hard and tedious tasks.

For those in more sever and extreme situations however, equipment changes and differs in its levels of aid. For those who are physically unable to walk or have trouble lying down because of any back or spinal injury, low rise nursing beds are a common piece of apparatus designed to aid comfort, practically and of course, safety. Mobility equipment in such sever cases as a nursing bed is usually very durable and hard wearing, designed in such a way as to be totally safe and secure for any patient / user. Nursing beds are designed in such a way as to provide comfort for those who find it hard to rest their bodies, low rise designs in particular being such a way in which people can access it easily. In such cold weather as this start of the year has brought, sufficient mobility equipment is vital considering the risks that exist for people in need of physical and mobile aid.

Paul Tansey of

Leicester mobility equipment supplier

, with our own branded

Care nursing beds

supplied to carers across the UK. NHS hospitals and care homes also benefit with other available products see our website with

rota stands for care homes

being one of the products in demand this year.

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Jersey child abuse case ‘was not covered up’

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Tuesday, February 26, 2008 

Frank Walker, the chief minister of Jersey, a United Kingdom Crown dependency off the coast of Normandy, France, denies that there was a cover up after a child’s remains were found.

The allegations of a cover-up stem from statements by Stuart Syvret. Syvret, the former Minister for Health and Social Services for Jersey, said that “It’s a continuum that we see. It’s a culture of cover-up and concealment and tragically the recent evidence is just the latest manifestation of that.”

It has come to light that Edward Paisnel, a notorious pedophile, used to visit the Haut de la Garenne children’s home dressed as Father Christmas. Paisnel in 1971, was given a sentence of 30 years for 13 counts of assault, rape and sodomy.

Syvret says he was dismissed from his ministerial position after highlighting the “torture” of 11 to 16-year-olds in the island’s care homes. He claimed he was “sacked for whistleblowing”.

Police are currently investigating twenty-seven cases of child abuse on the island and recently discovered the body of one child at a care home Haut de la Garenne in St. Martin, and with a potential six sites in the area where more bodies may be located. The home was closed in 1986 and since 2003 it has served as a youth hostel.

Jersey’s deputy police chief, Lenny Harper said “Part of the inquiry will be the fact that a lot of the victims tried to report their assaults but for some reason or another they were not dealt with as they should be.”

Harper added that “no evidence of a cover-up of any Jersey government” has been found. “We are looking at allegations that a number of agencies didn’t deal with things as perhaps they should.”

Syvret has encouraged the government of the United Kingdom to assign independent judges to oversee any cases that result from the investigations.

Builders originally uncovered a body at the care home in 2003 but it was only since an operation investigate child abuse started in 2006 that progress has been made. An ex-minister of the States of Jersey, the parliament of the island, has criticised the handling of the case, stating that abuse cases were mishandled.

Walker told senators that all necessary resources would be use to find the abusers. “None of us imagined that children in Jersey could be abused and mistreated in the way that is being suggested,” the BBC have quoted him as saying. “I express my shock and horror that these things have apparently happened within our island.”

Specialist police from the United Kingdom have been investigating after an enquiry turned up 140 sources verifying the claims of abuse.

Australian swimmer Steph Rice announces retirement

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Wednesday, April 9, 2014 

One of Australia’s most famous swimming Olympians, Stephanie Rice, 25, announced her retirement earlier today.

The swimmer addressed the Australian public in a video. Here she thanked everyone that has supported her and reflected back on her Olympic career, “It’s sad, I definitely feel like I’m losing a part of myself, but I’m really excited about what’s about to come.”

After several shoulder operations in the lead up to the 2012 London Olympics, Rice fell short of her own expectations. Disappointed with her performance, she says she wanted to give herself a year or two break before making any decisions about the future. “I felt a lot of pressure to live up to everyone’s expectations and fulfil their answers, but I knew I had to take the time for myself to get to the point where I knew 100 percent what I wanted to do,” she says.

Long-time swimming coach Michael Bohl confirmed Rice’s doubts after the London Olympics in a telephone interview with The Associated Press today. “She couldn’t get the best out of herself there,” he says “but with what she endured, she didn’t want to retire with question marks. She wanted a year or two to think about it.”

While Rice has left her career plans unanswered, she hopes to use her popularity with the Australian public as a platform to something else. “It’s safe to say that’s the new goal and new passion for me… to prove myself out of the water.”

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Millions of old New Zealand coins still to be handed in

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Wednesday, October 25, 2006 

On November 1, 2006 the old five, ten, twenty and fifty cent coins will be illegal tender, but the Reserve Bank of New Zealand says there are still at least 100 million still to be returned.

According to the Reserve Bank, most of the old coins have been lost in drains or buried in rubbish. “We think there is still another 100 million sitting around in people’s homes,” Brian Lang, currency manger for the Reserve Bank, said.

Lang said: “So far, just over 280 million coins have been returned, but there are more out there. Since 1967 the Reserve Bank has issued more than a billion of the old ‘silver’ coins. So if you don’t want to be stuck with loads of old coin – there’s never been a better time to empty your coin jars, sweep the car glove box and rummage behind the couch cushions.”

The coins still awaiting to be handed in, by either spending them, taking them to a bank or donating them to charity, are estimated to be worth between NZ$5 million and $50 million.

“A last-minute burst of publicity may convince people to bring the coins in. It’s a bit of a hassle though. Human nature being what it is, people just don’t care,” Lang said. The Karori Wildlife Sanctuary located in Wellington say that they have collected over $9,000 in old coins. Sanctuary spokesman, Alan Dicks said: “The campaign was particularly fitting because the old coins depicted tuataras and kiwis, both of which can be found living at the sanctuary. The money will go towards supporting general ecological restoration of the sanctuary. We want to get over ten grand, but the more the better.”

Lang said: “Though the coins will no longer be legal tender, banks will continue to exchange them until at least the end of the year,” and the Reserve Bank will always exchange them. “We are still getting people coming in with two-dollar notes,” Lang added.

Belgrade: demonstration against independent Kosovo escalates into riots

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Thursday, February 21, 2008 

In Serbia’s capital Belgrade protesters have broken into the United States embassy, and have set fire to an office, which is now extinguished. The break-in followed massive protests against Kosovo’s independence that was declared last Sunday. A couple of hundreds of thousands protested in front of the parliament building in Belgrade when masked attackers broke into the building and tried to throw office-furniture out the windows. Estimations of a number of protesters vary between 150.000 and 2 millions.

Around 18:00, after the relay, a couple hundred rioters went to Kneza Milosa Street where the US embassy is located. At 18:15 they demolished a part of the embassy and burned it. They also attacked the Croatian embassy, which is around 100 meters from the US embassy on the same street. Around 19:00 police came and clashed with the rioters using tear gas. Riots were all over downtown Belgrade. As of 22:00 the situation was under control but there are still some riots in other streets.

The tear gas polluted a couple blocks, about 350 meters up to Vra?ar hill.

The nearby Croatian embassy was also attacked. Rocks were thrown at the Canadian embassy building. This could be due to the fact that Canada has not said yet if it recognises Kosovo. Embassies of Turkey, Bosnia and Herzegovina, Belgium, United Kingdom and Germany were also attacked.

One person was found dead at the ground floor of US embassy, around 150 people were injured, including 35 policemen. Around 100 rioters were arrested.

Dirk-Jan Visser, a photo-reporter for the Dutch newspaper NRC Handelsblad was attacked by rioters. People helped him escape, and he has been taken into hospital with broken bones. He is expected to be kept in hospital until the next day. Ambulances and medical cars were called to the scene to help injured people and protesters, some cars were attacked.

Andrey Fyodorov and Andrey Pavlov, journalists of Russia Today, were also heavily attacked during the riots.

Two McDonald’s restaurants on squares Terazije and Slavija were attacked. The restaurant on Slavija has been heavily damaged. Kiosks, stores and banks were robbed all over the centre of Belgrade. The protesters tried to attack radio/television station B92 but police had the scene under control.

“As long as we live, Kosovo is Serbia,” Prime Minister Vojislav Kostunica told the crowd from a stage in front of the old Yugoslav parliament building in Belgrade, “We’re not alone in our fight. President Putin is with us”. A huge banner reading “Kosovo is Serbia” draped the front of the building.

In Washington, State Department spokesman Sean McCormack called out to the Serbian government to protect the U.S. Embassy. He said the U.S. ambassador was at his home and was in contact with U.S. officials.

The United States was one of the first countries, with the United Kingdom, France and Germany to recognize Kosovo as an independent state. Serbia however regards Kosovo as a province and is backed up in this by Russia, China and numerous other countries, including some European Union member states. Kosovo is 90% ethnic Albanian, with in the north a minority of ethnic Serbians. Belgrade has, however, not been in control over the Kosovo area since 1999, when United Nations took control.

High representative of the Serbian Radical Party, Aleksandar Vucic, said that “those who provoked Serbian people are equally responsible for destruction as rioters are.” President of Serbia Boris Tadic and President of the National Assembly Oliver Dulic and other ministers called on peace.

Trustee Plays Integral Role In Estate Settlement

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Submitted by: Simon Volkov

A Trustee plays an integral role in estate settlement proceedings. This person is required to act as the estate fiduciary and oversees distribution of inheritance property. They are also responsible for settling estate-related matters and filing a final tax return on behalf of the decedent.

A Trustee has to be appointed for any type of trust including living trusts, testamentary, and irrevocable life insurance trusts. This person should be someone that is dependable and can be relied upon to make decisions for the greater good of the estate. They should be good with finances, able to multi-task, and capable of meeting required deadlines.

Every type of trust is comprised of three people and includes the Trustee, Trustor, and Beneficiary. The Trustor is the person that sets up the trust and beneficiaries are those who receive estate assets upon the Trustor’s death.

There are different ways of setting up trusts. Much depends on tax saving strategies and types of assets owned. Any assets that are not protected by the trust might have to pass through probate before they can be distributed to beneficiaries.

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Probate laws vary by state, so it’s best to obtain legal advice before initiating estate settlement procedures. Most people don’t have to manage both trusts and probate, but if it happens it’s best to be informed about the process.

Depending on the circumstances, probate can last several months. The average duration is four months. The good thing about trusts is estate settlement happens within about 45 days.

When assets are placed in a trust they are no longer part of the estate and therefore exempt from probate. The Trustor has to write a Will that gives direction about how the estate should be settled. Wills are also used to name beneficiaries and their inheritance gifts.

Trusts are one of the best options for safeguarding estate assets. Not only is property exempt from undergoing probate, assets are often exempt from estate and inheritance taxes. In addition, settling a trust is less time-consuming than settling probated estates and assets can be distributed to heirs in a timely fashion.

Trusts are typically used when estate value surpasses $100,000. Estates valued below that amount can take advantage of estate planning strategies that offer better benefits than trusts. These methods include obtaining joint titles for real property and automobiles; establishing beneficiaries for retirement accounts, investment portfolios, and bank accounts; or gifting cash or assets while still alive.

It’s not hard to setup a trust, but does require help from a professional estate planner or lawyer. This is especially true when establishing an irrevocable trust. These kinds of trusts provide a lot of flexibility throughout the planning stage, but they cannot be altered without court authorization once they are in place.

The fees to setup a trust can be as little as $100 to more than $1,000. It all depends on the type of trust and estate assets. A lot of people that want to setup a living trust use the online legal service provider of

Regardless of using an estate planner, lawyer, or online service it’s best to have documents organized and an inventory list of assets. It’s recommended to talk to the person you plan to appoint as the Trustee to make certain they are willing to carry out required duties.

About the Author: California real estate investor and probate liquidator, Simon Volkov, shares estate planning information and resources to help people protect their property. He offers tips for selecting a


; ways to avoid probate; and details about the different kinds of trusts at



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