How to Know If He Loves You

How to Know If He Loves You

So here you are, but before you get your hopes up… I need to tell you that there is a 99% chance that this guy isn’t in love with you if you haven’t had sex with him yet.

STOP! Hold your horses, this information doesn’t mean that you should immediately go out and sex him. Before you do that you need to assess a few things like:

– Is he compatible with you?
– Are you attracted to him?
– Is he attracted to you?
– Do you have an emotional bond/connection?
– Is he mature enough to commit?
– Can you see a future with this guy?

In the event that you do have sex with him you need to have ticked all of the above boxes especially the emotional connection box. If a guy doesn’t have an emotional connection to you and the sex is bad to average he will hit the road like Road Runner – beep beep!

He loves me, he loves me not?

It is always hard to tell and the signs vary from man to man but some of the most common ways he will show that he is in love with you is if he…

Replaces I with we.

If you are featuring in his future projections then something is definitely going on.

Treats you with respect.

It may not seem like the most vibrant sign but respect is King to a man. If he respects your opinion and doesn’t belittle you, he values you and your opinion.

Shows you that he cares.

A man who is in love with you won’t make you wonder if he is in love with you he will leave no room for doubt. If you are reading this article, it’s probably a sign that he doesn’t love you.

He introduces you to his friends and family.

If a man doesn’t invite you to meet or socialize with his friends and family then he isn’t at that stage where he wants to be in a relationship with him. Men usually take longer to get to this point than women do.

He wants to protect, provide and take care of you.

He isn’t a PDA (Public Displays of Affection) phobe.

He let’s you know that he is thinking about you. A man who is in love with you will call and text you on a regular basis.

He tells you he loves you. Pretty obvious right!

Unsecured Business Loan With No Collateral

Unsecured Business Loan With No Collateral

Just because it doesn’t pop up in front of you doesn’t mean it doesn’t exist. Many people are under the impression that they have to put their home or car down in order to receive money from a financial institution. For this reason, some choose to let their business go down simply because they are afraid of losing their assets and prefer not to put their home at risk of being taken. If you take time to do a little bit of research, you will find that there are unsecured business loans – this means you will not be required to put anything down in order to obtain a loan from the financial institution.

What Are Unsecured Business Loans?

Unsecured business loans are alternative loans you can turn to when you are in need of money, regardless of the reason you need it. This type of loan was created to help businesses get the cash they need within 1-10 business days with a simple application.

Some Do Not Need to Verify Your Income

Some places will allow you to take out this type of loan without having to verify your income. However, if you would like to increase your chances of getting a loan, you should present proper documentation, detailing your income.

Unsecured Business Loans Are Great for Businesses

Banks and credit providers realize that many businesses are frowned upon by the traditional banks. They understand that sometimes businesses go through financial problems and it is not always easy to meet the financial aspects. For this reason, small business loans are provided, as long as the business has been in operation for at least 6 months.

Lenders Need Proof That You Can Pay Them Back

If you are using the loan to open up a small business, the lender will be at risk because you haven’t made money from your business yet. For this reason, many lenders would like to have a look at your future income generating prospects, your credit history and your repayment capacity. If you are able to present proof that you are able to pay the money back, you shouldn’t have a problem with getting the money you need in order to continue your business.

Available for People with Bad Credit

Even if you have bad credit, while it may be more difficult, you will still be able to find a lender that will be willing to lend money to you. As long as you are able to show financial standing and annual income documents, you should be able to get the loan.
Point blank, if you have a business that has been in operation for at least 6 months and you are having some financial difficulties, you may want to look into an unsecured business loan.

Individuals who are looking for an unsecured business loan may be interested in This company offers unsecured business loans with the opportunity to receive funding in as little as one day – light documentation must be presented to qualify – this includes a bank statement from the past 6 months and the most recent tax return documentation. The loan amounts are based on gross sales amount – you can get anywhere from 5k to 1 million.

Are You Committing Financial Infidelity

Are You Committing Financial Infidelity

Shame plays a large part when it comes to financial infidelity. Sometimes finances simply spiral out of control, and it’s not uncommon to hide these debts and expenditures from a partner. In fact, it is estimated that around six-million Americans are guilty of financial infidelity in some way, shape or form, so if you have told a white lie about your spending or have over-spent on your credit card, trust me, you are far from alone.

But the problem with hiding financial information from your significant other is that it can lead to marital and quite possibly legal problems in the future. Whether those problems spiral into something like divorce (financial reasons are one of the top reasons why couples get divorced) or whether you will leave a partner with a massive debt when you pass away, nothing beneficial can come from hiding your debts from your partner.

A Sticky Situation

I recently met with a client that just lost his wife. While the pain of losing his wife of many years was enough to cripple him, he received a double whammy when he realized that his wife had been battling mountains of credit card debt for some time now. He didn’t know about any of these debts.

These debts were well hidden from him while his wife was alive. In this particular case, his deceased wife had opened up various credit card accounts using both of their names. The reason she did this was because the credit card companies kept offering her more and more credit. The offers for 6 months free interest were very enticing, and she continued to take the bait. This quickly led the grieving husband to seek the advice of a bankruptcy attorney.

While I’m sure his wife had very good reasons for hiding the bills from him (she did not want to burden him with the truth), the fact that they had joint accounts meant that he was responsible for the debt as well. While it can be hard to discuss financial problems with your partner, neglecting to do so can quickly lead to a financial mess, emotional issues and physical issues. I often wonder if the stress, fear and guilt of dealing with this debt caused her death.

Grounds for Divorce

In some cases, committing financial infidelity can lead to divorce. The strain of debt can often be too much for one partner to bear, and sometimes these debts do hold up in court. If you are experiencing financial troubles, make sure that you speak with an experienced bankruptcy attorney today. Debt might seem like quicksand, but there are often ways to get out of debt allowing you to see the light of day and breathe again. Remember, financial infidelity will cause stress, fear and guilt which can cost you much more than a paycheck. Are you willing to pay that price?

The Different Types of Bad Credit Loans

The Different Types of Bad Credit Loans

Bad credit loans are a good option for people who may have difficulty obtaining finance because they have previously got into payment arrears, or had CCJs or defaults. There are a number of bad credit loans lenders that now offer this type of finance but you may be confused by the financial jargon that is used to describe borrowing that is specifically for this sector of the market.

Some of the terms that refer to borrowing aimed at this market sector are: bad credit loans with no credit check and bad credit loans with an instant decision. The former is a useful option as it means that people do not have to worry about getting turned down because of past financial difficulties. The latter also often implies that stringent checks are not likely to be carried out.

Another type of borrowing that you may see advertised is bad credit loans with no fees. With this type of finance the borrower will still have to pay interest on the amount borrowed. However, there will be no set up fees or additional charges levied such as administration fees. Therefore, these can often prove beneficial.

In describing the various types of products that are on offer, we will begin by looking at unsecured bad credit loans. If you do not wish to secure your property against the amount you have borrowed then unsecured loans for bad credit are a good choice. However, the interest charged on them tends to be higher than that charged on secured forms of borrowing.

Amongst the types of unsecured bad credit loans are those requiring a guarantor. In this instance the guarantor is usually a trusted family member or friend who guarantees to take over the repayments on your behalf if you fail to meet them. Guarantors are usually required for people who haven’t had a chance to build up a credit record, for example, parents often act as guarantor for their adult children.

Another type of unsecured finance is when the repayments are collected from the home. These are known as home collection loans. The amount granted is usually low (generally between £100 and £500). A representative from the lending company calls at the home on a regular basis to collect the repayments, which is normally around once a week or once a fortnight.There are also various types of secured finance available for people with a poor credit history. Borrowing can be secured against the home, car or other property. Additionally, payday loans rely on the borrower earning a regular income and the amount granted is paid back as soon as the borrower’s salary is paid into his account.

Even a visit to the pawnbrokers is a form of secured finance. The borrower takes his goods to the pawnbroker who lends him a sum of money based on the perceived value of the goods. The person then returns at some point in the future and pays back the sum of money with interest in return for his goods, which have acted as security against the sum of money that was borrowed.

Back on Track Loans specialises in providing finance for those who have been turned down by banks and other lending institutions. We can help you to find a product to suit your requirements taking account of how much you want to borrow, over what period and how much you can afford to repay each month.

Factors That Affect a Low CIBIL Score

Factors That Affect a Low CIBIL Score

A Credit Information Report (CIR) offers an individual a numeric summary of their credit history. It plays a major role should an individual want to apply for a loan, or a credit card, as all banks and financial institutions run a CIR as part of their loan approval process.

A credit score constitutes a part of the Credit Information Report. Basis the financial information provided by lenders to Credit Information Companies, a score is determined. This score, based on a scale of between 300 and 900, is what is taken into account by a lender prior to offering a loan.

With Credit Information Bureau (India) Limited (CIBIL) a score of 750+ points is considered to be good. For a first time borrower with no previous track record, a score of -1 is displayed.

Different Credit Information Companies however, may have different scoring parameters. Most companies use the definition of ‘bad loan’ as a customer going more than 90 days past in 12 months.

Let us take a look at the factors that can negatively impact your CIBIL score.

Multiple loans and credit cards

Having too many loans and cards can prove detrimental, as it can indicate a high level of borrowing. This would mean that a potential lender may choose not to sanction any further loans as your repayment capacity may already have been maxed, your income. Further, it may get difficult to manage payments between multiple cards, and can lead to your having to stretch your income in order to keep up.

Not using your credit card

Having a credit card with no usage, makes the customer’s file inactive as there is no transactional data. This in turn can negatively impact the score.

No loans at all!

On the other hand, having no loans or no credit cards makes it difficult for a lender to assess your repayment capacity. Hence it may be a good idea to maintain a loan or card well within your means, to set a benchmark for future borrowing.

Delayed and skipped payments

This is typically the case with credit cards, wherein a customer does not make a timely payment owing to the fact that it slipped out of the mind. What would help in this case is to set up payment reminders and ensure that the outstanding dues is paid up as per the payment dues date. Even a single skipped payment can have an adverse impact on your score.

Increased credit limit

While this may have a feel-good factor, it may not have such a positive outcome after all! Constantly increasing your credit limit may again indicate a high level of debt. Instead, keep your card dues to approximately 30% of the assigned limit.

Not using your credit card

Having a credit card with no usage, makes the customer’s file inactive as there is no transactional data. This in turn can negatively impact the credit score.

Too many unsecured loans

Personal loans or an excessive number of credit cards can mean higher payments owing to higher rates of interest, these being unsecured loan products. This can result in a lower score.

Now that we know what can affect your score.

Financial discipline

Timely and full payments on loan and credit card outstanding go a long way in maintaining your CIBIL rating.

Having a healthy product mix

Balance of secured and unsecured loans shows that an individual is capable of handling finances well. This can help you to improve your CIBIL score.

Inflation And The Economy

Inflation And The Economy

An often used but little understood term in financial circles, inflation has been misinterpreted as a result or an effect of higher prices, but this is not the case.


Inflation is a condition in a particular country’s economy where the amount of available currency outstretches the GDP figure for that country. This that is known as inflation, and higher prices are a result of this situation.

This affects the Canadian investor by causing consumer pricing to rise, thus leaving the investor with less money to invest with after buying groceries and filling their gas tank. This inability to invest also affects the stock market, leaving companies with less avenues of capital acquisition. For example, if the CPI levels rise considerably, markets such as the TSX can experience a lull in trading causing its index to drop. This could indicate that an economy is either stagnant or heading towards recession. Of course, this isn’t in the best interest of any country and if left unchecked, would lead to a wildly fluctuating market with tremendous risk such as the markets just before Black Tuesday, October 29, 1929. We have learned our lessons since and safeguards have been put in place to ensure that the market won’t bottom out like that again.

The Bank of Canada has a hand in setting inflation rates to accommodate the disparity of goods versus monetary availability. By monitoring the core CPI, the Bank of Canada arrives at the comfortable inflation numbers that will keep the economy on track and within good financial reason. If you are wondering, core CPI is a specific group of consumer goods not considered to be volatile. The term ‘volatile’ in this context is meant to refer to price fluctuation, not combustion. These volatile products would include such things as fuel, vegetables, fruit, tobacco products and mortgage interest.

In the 1980s, according to Statscan, the inflation rate was at 10%. This may seem minuscule, but a rate such as this can cause general consumer pricing to double in less than ten years. Luckily for Canadians, our inflation rate has dropped to less than 5%. With current mandates from the Bank of Canada to put the inflation rate at 3%, consumer pricing would take approximately 24 years to double. This presents a much more tantalizing prospect for the Canadian investor with long-term goals.

According to investing experts, inflation is not a bad thing. The Canadian investor has to be aware of certain factors in their investment, suppose McCain Foods has an offering of 100,000 shares with a rate of 4%. If the Canadian economy had an inflation rate of 3%, this would leave the prospective investor with a positive growth percentage of 1%. Not a bad investment. However, if the Canadian economy had an inflation rate of 5%, the prospective investor has started their investment in the red, not necessarily a good investment idea. But even in this situation, investment isn’t really out of the question. If you can ascertain that the economy is headed for a sustained surge down the road and you are thinking about long-term investment, it might be prudent to buy-in as your investment in the long run may achieve a positive growth outstripping the rate of inflation. This is dependent on when the economy will perform, for how long and how well versus the time length of your investment. Knowing about inflation is an important step to losing needless and ill-informed investment fear.