Secured And Unsecured Debt Consolidation Loans

There are thousands of individuals who are financially strapped for cash. Much stress and marital problems revolve around monetary issues. Before taking measures to get oneself out of a bad financial situation, it would be prudent to first ascertain the root of your monetary woes. If this were not accomplished than any action, such as obtaining secured and unsecured debt consolidation loans would only prove to be a temporary fix. Along with taking action to minimize your present financial problems, it is also crucial to address bad spending habits that may have contributed to your monetary difficulties in the first place.

If you have many sources of outstanding debt, such as large personal loans for education, medical bills or holidays, you could have all or a portion of these loans consolidated into one loan. This affords you to make one or a few smaller more affordable monthly payments. These loans take the form of both secured and unsecured debt consolidation loans.

An unsecured debt or loan is not tied to one of your assets, such as your home, boat or car. Interest rates on secured and unsecured debt consolidation loans differ in that interest rates on unsecured loans are usually higher than those on secured loans. This is due to the lender not having the security that an underlying asset provides. If you would be uneasy at the prospect of, putting up your home, your car or your boat to secure a loan to lower your monthly payments, than you may want to look into obtaining an unsecured debt consolidation loan. Secured and unsecured debt consolidation loans also vary in that unsecured debt consolidation loans will only include those loans that are unsecured or not backed by collateral such as personal loans and credit cards.

With regard to secured and unsecured debt consolidation loans, secured loans offer lower interest rates with the convenience of merging both secured and unsecured debt into one monthly payment. This would be advantageous in that you would only have to deal with one instead of multiple creditors. It would also easier for those with not-so-perfect credit to obtain secured debt consolidation loans because the loan would be secured with some type of collateral.

Offering your home as collateral would likely afford you the least expensive option when searching for a consolidation loan to merge your secured and unsecured debt into one loan. However, you should only consider this if you would be willing to risk your home as the lender could take it from you if you were unable to make your monthly payments. Other sources of collateral could be your automobile or boat. Some lenders may accept stocks and bonds or expensive jewellery or electronics.

Before deciding on secured and unsecured debt consolidation loans, it would be prudent to compare lenders so that you could choose the financial institution with the best rates and terms to meet your needs. Reviewing different lenders would also guard against predatory lenders who try to take advantage of those in financial trouble by charging higher than normal interest rates.

Industrial Directory is for Industries, Rather Than Consumers

The distinguishing characteristic of an industrial directory is that it lists products, services and suppliers needed by industries, rather than by final consumers. These would be mainly such intermediate products as automation equipment, CNC machining, transformers, advertising novelties, engineering services, leak detectors and a large variety of others. These intermediate products are used in making consumer products, or major projects such as space and ocean going ships, public utilities, defense requirements and so on.

While a few consumer products or dual use products might be listed, the emphasis in the industrial directories is on industrial products and services needed by other industries.

The range of such products and services is huge and varied, and good industrial directories tend to be substantial repositories.

Sample Categories in an Industrial Directory

The list below, taken from a reputed industrial directory, illustrates the wide range of industrial products and industrial services.

  • Adhesives & Sealants: Adhesives, Pressure Sensitive Tapes, Adhesive Dispensing Equipment,…
  • Automation & Electronics: Automation Equipment, Printed Circuit Boards, Clean rooms,…
  • Chemicals: Desiccants, Corrosion Resistant Coatings, Teflon Coatings,…
  • Custom Manufacturing & Fabricating: Metal Fabrication, CNC Machining, Metal Stampings,…
  • Electrical and Power Generation: Transformers, Batteries, Magnets,…
  • Services: Advertising Novelties, Machinery Rebuilders, Pump Repair Services,…
  • Engineering & Consulting: Engineering Services, Prototypes, Exporters, Importers,…
  • Hardware: Fasteners, Gaskets, Bolts,…
  • Instruments & Controls: Laboratory Equipment & Supplies, Flow Meters, Sensors,…
  • Machinery, Tools & Supplies: Special & Custom Machinery, Bearings, Gears,…
  • Materials Handling: Material Handling Equipment, Labels, Plastic Bags,…
  • Metals & Metal Products: Aluminum, Stainless Steel, Wire Forms,…
  • Plant & Facility Equipment: Electric Heaters, Nameplates, Noise Control,…
  • Plastics & Rubber: Injection Molded Plastics, Extruded Plastics, Molded Rubber Goods,…
  • Process Equipment: Heat Exchangers, Pressure Vessels, Mixers,…
  • Pumps, Valves & Accessories: Ball Valves, Plastic Tubing, Pumps,…
  • Other: Signs, Point Of Purchase Displays, Banners,…

(Source: Thomas Register)

Other industrial directories might adopt a different scheme of categorization. With the huge range of products and services, different ways of arranging them might meet the preference of different users using them with different orientations.

Global and Regional Directories

Global industrial directories list industrial products and suppliers from all over the world. Considering that countries have different resources and cost structures, such a register could help industries find the best products suited to their requirements, and also the best bargains. For example, some countries might be rich in certain minerals and metals, and these might give them an advantage to produce certain kinds of industrial supplies. Other countries might have low labor costs enabling them to make the same products made by developed countries at lower costs.

Regional industrial directories seek to promote local industries by listing only the suppliers located in particular regions. The major objectives in these cases is industrial promotion rather than helping buyers find the best bargains.

Conclusion

An industrial directory focuses on products and services needed by industries. The range of such industrial products is huge and varied. We looked at a sample of industrial products and services in this article.

Industrial products are typically intermediate products that help produce consumer products or products such as space ships, ocean-going ships, and such non-consumer final products.

There are some reputed industrial directories that list industrial products, services and suppliers from all over the world, and other directories that focus on industries in a particular region.

Designers And Architects Are Aesthetics More Important Than Practicalities

Designers And Architects Are Aesthetics More Important Than Practicalities

As a cleaning company we get called in to carry out builders cleans on new builds and refurbishments. Time and time again what we see is that the designer has had something built, laid or put in place solely on the grounds that it looks good with no regard as to how it will stand up to use or the practicalities of trying to keep it clean and looking good. They produce their design, see it through to the finish and then walk away. Only later does it become apparent that it is completely impractical from a cleaning point of view but they do not seem to learn from their mistakes because the same ones keep being repeated.

Let us take some classic examples. Car showrooms are a prime example. Car dealers require a nice environment to show of their brand new cars. So what do you need? A large rectangular space in which to fit the cars. Large windows so that the cars can be viewed easily by passers by. Clean freshly painted walls with some nice pictures placed strategically. A potted plant or two. Modern desks for the sales people. Some colourful stands advertising the products interspersed between the cars. All pretty standard and nothing exceptional to allow the designer to soar into the realms of artistry. One thing however is missing from this list and that is the flooring. Now it is here that the designer has something to get their teeth into. What do they come up with?

Bright, shiny, white or cream floors in ceramic tiles. This is really good, because the light coloured shiny floors set the cars off really well because the majority of them are in relatively dark colours. So in the building or refurbishment programme this is the type of flooring detailed and once laid and cleaned it looks marvellous. Then they start to bring the cars in and the customers walk in and then the trouble starts. Invariably the cleaners are blamed for not cleaning properly. The tiles are smeary, or the trye marks are not being removed, water marks are being left and so the complaints go on.

What is actually happening is that oil and fuel spillages occur, even small amounts are sufficient to create problems. Tyre marks are left on the tiles and new tyres are coated with a resin to make them look shiny and clean and small amounts of this are deposited onto the floor.

Normal cleaning fluids will not remove these completely and they will become spread over all the tiles in time by the mopping or other cleaning process employed. So tyre impressions and footmarks will be clearly visible even after cleaning. The only answer is to clean with a scrubber and a degreasing solution. However this adds considerably to the cost of cleaning the showroom and most garages are not willing to pay this additional sum so they continue to blame the cleaners.

It could be easily solved if patterned tiles were used which would disguise these impressions and then normal mopping and cleaning would be sufficient followed every three months or so by a scrub with degreasing solution.

Have garages or designers twigged this yet? No, because plain tiles have continued to be used in showrooms up to the present day.