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We face so many inevitable financial problems throughout our lives. Sometimes, it is really difficult to overcome a crisis due to the lack of the sufficient funds. We can’t expect our friends and relatives to help us with the interest-free money every time we face the crisis.

Having a bad credit history is a big hurdle to get any financial help from the mainstream lenders and banks. They are reluctant to help us due to the high-risk involved with the lending. They agree to lend only when we submit our valuable assets to them. However, this solution is not feasible for the applicants who are bankrupt or tenants.

Are Online Loans Reliable?

Nowadays, loans for bad credit with no guarantor have become quite popular among the UK people. Various online lenders promise to offer guaranteed funds with no extra fees. Surprised? Well, yes! They are indeed offering such attractive deals. However, the question is – are these financial alternatives reliable? Is there any chance of an online fraud?

Bad credit people who are in the midst of a financial crisis can’t afford to get into another trouble by applying for a loan which is not legitimate or reliable. However, not all deals are same. Many reliable lenders offer genuine lending solutions to the poor credit customers.

Let me honestly summarise pros and cons of availing bad credit loans from the online lenders:

Pros;

You are not required to go anywhere to get these loans. This is a huge relief to the people who don’t have time to stand in a queue outside the office of a mainstream lender or bank. You can easily apply for these funds from the comfort of your bedroom.
Most of the online lending companies don’t require any kinds of documents. You just need to fill some basic details on their websites. There is no need to courier/fax hard copies or attach the scanned documents along with the filled web form.
Unsecured lending options for the bad credit borrowers are completely risk-free. It means you don’t have to pledge your valuable asset with the online lender. You get the required funds with no collateral.
Every borrower strives for the quick approval. Earlier, it was such a frustrating dilemma to get the required approval from the typical offline lenders. They used to take decisions in 7 days to a month. Now with the advent of the financial technology (FinTech), getting the fast approval has become possible.
You stand a chance to solve your financial crisis on the same day of applying for the online poor credit funds. Some reliable lenders take instant decisions and quickly transfer the required amount directly into your bank account.
You can get a cheaper deal as numerous FinTech companies compete with each other to offer bad credit lending solutions.
If you have a poor credit rating, then submitting the latest credit report is embarrassing. However, you can avoid this step by applying with any of the credible online lenders. They usually approve the loan applications without doing the credit check.
Lastly, you can’t improve your poor credit score overnight. You require a lot of patience to rebuild your score. You can transform your credit score by making timely repayments of these availed online loans for poor credit.
Cons;

We have to accept that the unsecured financing options are not that much cheaper as advertised by the FinTech companies. You have to cough up a slightly higher APR as compared to the interest rates charged by the traditional offline lenders.
The risk of hidden charges is higher. Most of the FinTech companies boast of offering viable financing options with no hidden charges. However, some of them surprise you with the extra fees during the tenure.
Well, if your lender is not reliable then he may leak your personal information or share with other lending companies for the business purpose. You can avoid this risk by choosing a reliable lender who uses the secure platform and assures complete confidentiality.
Sometimes, due to the presence of the lender fees, a cheaper deal becomes costly. Not all the representative APR examples present on the lending websites are authentic. Always, use a reliable loan calculator to know the exact total cost.
Ratings and feedback present on the websites are not always genuine. They may mislead and lure you to apply for the loan. Be a smart borrower and never trust all the written words blindly.
The ease of availing these funds makes you a habitual borrower. You tempt to borrow even when you don’t need them. It increases the total debt on your head and chances of getting bankrupt are higher.
A financial crisis can strike you anytime and applying for a loan is not always a good idea. Try to maintain a contingency fund for the unseen expenses. If a situation is unavoidable and goes out of your control, then apply for an online loan for bad credit with no guarantor by choosing the reliable online lending company only.

The end of financial year 2017-2018 is heading nearer and you must be searching for an investment option which could save tax under section 80C of Income Tax Act, 1961. If you are also doing the same, then you must consider adding ELSS scheme in your portfolio to avail the best benefits of it. Equity Linked Savings Scheme (ELSS) is a mutual fund investment category which majorly invests in the various equity and equity related securities of different companies. One can invest at any point of time in an open-ended ELSS through various investment processes like SIP and lumpsum. On the other hand, there are closed-ended ELSS which accepts investments during New Fund Offers (NFO) only. This Fund is best known for its tax benefit which it offers to the investors.

As per the Section 80C of the Income Tax Act of India, 1961, a taxpayer can retain an amount up to the extent of Rs 1,50,000 from his total taxable income in every financial year. It means that an individual taxpayer can save tax on the income of up to Rs. 1,50,000 or less, but they need to show an investment of the same amount for the same year. The ELSS scheme is designed especially for tax saving purpose only, but you can avail more of its benefits which includes:

Exposure to Equity: It allows the investors to take the exposure of the equity market because it invests majorly in the stocks. You can avail multiple benefits of investing in this category, viz., tax savings, and superior returns from equities. There can never be such amazing deal on any other scheme like this. It saves your money from tax and again fetch your returns on what you invest. Therefore, it is one of the favourite schemes of many investors who are earning big yields.
Out-Performing Category: Not the scheme of any individual asset management companies but the entire category of Equity Linked Savings Scheme (ELSS) is performing excellently well in the mutual fund industry. The schemes under this category has showcased amazing performance since their respective launches. It is utmost beneficial for the investors because upon the advantage of tax, the excellent performance of the scheme allows them to fetch greater returns.
Goal Planning: This category dominantly invests in various equity and equity related securities of the different companies which are capable of generating good returns over the period of time. It helps in the appreciation of the invested capital over years, and it is well known that equity schemes are famous for generating exceptional returns in the long term. So, you can easily plan any financial goals which you want to achieve over a long-term period.
Lock-In Period: ELSS fund comes with the least lock-in period than the other tax savings instrument. The investments in this category are locked-in for the minimum period of three years only. Whereas, the other instruments like PPFs, NSC, FDs, etc., comes with the minimum lock-in about more than five or seven years. So, in the field of tax saving instruments also it wins the battle of being at the top in terms of lock-in period.

Moreover, there are many other advantages of investing in ELSS category which make it distinct from the other investment categories. You can also enjoy the tax benefits by investing in this category.

At 72-433 Kaupulehu Drive 3 in the upscale Hualalai resort community sits a brand new home with the hefty tag of $12,499,000. Once one enters its iron gates, however, it is easy to understand what the price is all about.

In truth, this luxury home is a cross between a house and a resort. With an interior area of 6,402 sq ft, 5 bedrooms and 5 ½ baths, this property is clearly built for accommodating friends and loved ones over – and in style, too.

What greets a visitor first is the large and splendid,modern-lookinginfinity-edge saltwater pool. A few steps away is apatio shaded by a mahogany trellis, and appointed with long plush chairs where one can imagine guests will be having drinks during cocktail hour.It leads to a spacious living room, which is as elegant as it is relaxed: a sofa set in off-white surrounds a beautiful light brown divider adorned by vases and trays. On the other side is a dining set that’s two steps away from the kitchen.

Further to the right is another living area, with more seating, and a large flat screen TV. There is also an outdoor kitchen and dining area, for meals backdropped by the perfectly manicured lawns, and with fresh air blowing from the ocean and the hills.

Every nook and cranny of this home has been decorated with great care. Some of the ceilingsare vaulted; others are cofferedand wrapped in grasscloth. Alternatively, guests can turn to another side and see large glass walls offering a breathtaking view of the outside. Finely crafted ceramic vases and other table decor s are placed on the tables and on ledges on the walls.In between the home’s living rooms are paved patches of grass and ornamental shrubs and palm trees that give the occupants a touch of green.

Bedrooms have been decorated with a neutral palette and afforded with a view of the ocean, the ocean horizon, or the golf course. Where there is no scenery, rock gardens have been placed and carefully tended to provide a lovely view.Above the tufted headboards are exquisitely framed paintings that bring another dimension to the room.

In the eat-in kitchen, six low-hanging pendant lights are as chic as the sculptural white tufted stools. Not far away are low-backed upholstered chairs and a long table, a set in dove grey. It is a professional-grade kitchen: countertops are in marble, and appliances are by Wolf, Sub-Zero and Miele – ideal for whipping up meals for large gatherings.

There are, too, these other things of beauty around the house: A capiz chandelier that hangs above a freestanding bath tub. A huge walk-in closet. Basalt waterfall. A home spa. Walk-out shower gardens. Bathroom fixtures by Blu Bathworks. Outdoor barbecue and bar.