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Are You A Victim Of An Internet Scam ?

  • Posted on November 13, 2013 at 4:16 am

Submitted by: Jack Ho

There are a whole lot of various business opportunities for you, as an online marketer, to get involved with in your spare time. While it can be quite easy to start an online business, unfortunately, many “opportunities” are scams that take your money and give nothing in return.

Before you decide to involve in any of these business opportunities, it is always a good idea to do your due diligence and do some research on it.

1) Nigerian Scam

Typical schemes begins with an unsolicited letter or e-mail from an “official” representing a foreign government or agency, many times the Nigerian government or it s military.

The letter or e-mail contains an urgent request for help in transferring millions of dollars from Nigeria to the victim’s personal bank account with the victim to receive a percentage of the funds in exchange for his or her assistance. The communication stresses a need for secrecy to prevent corrupt officials from seizing the money for themselves.

But as the scheme unfolds, the perpetrators relate various problems with transferring the money and ask the victim to provide up-front advance funds to cover transaction fees, taxes or bribes.

2) HYIP’s or High Yield Investment Programs

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The scam artists prey on your lack of financial sophistication. They will convince you to just make one investment in a day trading system and you’ll get huge returns. Newsletters that purport to offer unbiased recommendations may suddenly tout the company as the latest “hot” stock. Messages in chat rooms and bulletin board postings may urge you to buy the stock quickly or to sell before the price goes down.

Unwitting investors then purchase the stock in droves, creating high demand and pumping up the price. But when the fraudsters behind the scheme sell their shares at the peak and stop hyping the stock, the price plummets, and investors lose their money.

3) MLM,Pyramid Schemes and Network Marketing

Some multilevel marketing plans are legitimate. However, others are illegal pyramid schemes. In pyramids, commissions are based on the number of distributors recruited. Most of the product sales are made to these distributors – not to consumers in general. The underlying goods and services, which vary from vitamins to car leases, serve only to make the schemes look legitimate.

Most pyramid schemes seem intent on exploiting people with limited means and limited knowledge of business such as individuals who have little experience in direct sales, distributorships, or franchise enterprises or who have limited money or credit with which to establish their own businesses.

Most of these scheme offer “free membership” but you have to pay for any advice.

They rely on widespread ignorance of basic mathematics. Participants are promised large rewards for putting up a certain amount of money and then recruiting the next level of members. But the schemes always collapse when no new distributors can be recruited. And when a plan collapses, most people — except perhaps those at the very top of the pyramid — lose their money, making many participants both victims and perpetrators.

The scam artists will tell you that create multiple streams of residual income starting today.They will provides a step by step guide to making money on the Internet. When you purchase their Package you will also receive over $1000 in bonus items which you can resell and keep all the profits.

4) Work from home

Do you really believe that you can sit at home, in your pyjamas and have money flowing into your bank account after working only a few hours per week?

Here the scam artists will tell you that in order to earn serious money from the internet you’ve to create multiple streams of residual income .They will provides a step by step guide to making money on the Internet. When you purchase their Package you will also receive over $1000 in bonus items which you can resell and keep all the profits.

But in reality, 99% of the time when you see the phase “multiple streams of residual income” …. what they’re really referring to is something much different ….”Multiple Streams of Expenses”.

The scam artists will bait you with “multiple streams of residual income” so you’ll keep joining program after program…. and before you know what’s happened your bank account is bleeding to death from “Multiple Streams of Expenses” as you try to keep everything you signed up for!

The strange fact is most people know these claims are fraudulent, and yet they still joining program after program recommended by the scam artists believing that they will be the ones that persevere and make money!

Conclusion

Lots of people make money on the Internet. Some people have become extremely wealthy operating a business on the Internet. BUT… they didn’t become successful by thinking the Internet could somehow magically send millions of dollars into their bank account just because they signed up for a program somewhere. Joining any non-researched program found on the Internet is a gamble as 98% of money making schemes available on the internet are frauds, so be very careful.

About the Author: This article was authored by Jack Ho, a “regular wage earner. He soon discovered the internet and was able to quit his 9-5 job because of his affiliate marketing business. His current focus is the Internet affiliate marketing as a work-at-home scheme. More details at:

easymoneymines.com

If you would like to read and learn more tips on avoiding Scams, here is my recommended link http://adtrack.trafficwave.net/t.pl/20302/103308

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Real Estate Web Design Things To Know Before Hiring Any Service Provider

  • Posted on November 12, 2013 at 3:25 pm
Real Estate Web design Things to Know before Hiring Any Service Provider

by

Stenley Smith

Business websites are becoming very important part for Real estate business to promote their brand, product and services. Real estates websites are also effective tool to keep in touch with your customers and attract new customers by posting services provided by you, your product development and new packages offered by you. So it is necessary for your business that you should build a website for your business. The best way to get design your websites is professional web Design Company. There are various things which you should know before hiring any service provider. First and very important thing is that you should pay attention while selecting a web design company for your website design because right choice of company plays a very important role to enhance your business online. The web design company which you look for should have portfolio of their work. You should look that what they have worked and what kind of result they provide to their customers. This will give you an idea that how the company worked and are they capable to handle your project or not. There are large numbers of Real estate website design companies that are present in the market. Before selecting a company for design your Real estate websites you should look a portfolio of web design works that were done by it. Also check the experience of that company which you think to hire for your

real estate website development

. Many companies shows fake testimonials on their website to promote their business it would be necessary for you that you should contact those people who are mentioned in the testimonials. Another thing which you should know that you should aware color combination they were used in the website and the impression created by the website.

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For Real estate website development it is necessary that your website design are user friendly and it can provide a relevant information to your customers so that they can make use your services. Before selecting a web design company for your real estate web design you should see the websites which are designed by them. If home page takes large time for loading and also not all the images are visible then the quality of website is not good for your business development. Another thing which should be necessary for good website design is that navigation should be clear and simple and design should be attractive. You can also ask web design companies that if you need any updates on your sites they are capable of providing that services or not. At last you pick those web design company which suits your business website needs and budget. So if you know about these things this will help you to choose a good web design company for your real estate website.

Stanley Smith is a content writer and he loves to write articles on

Real Estate Websites design

and

Real estate websites

.

Article Source:

ArticleRich.com

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Shopping Lingerie And Nightwear For Women Online Can Be Fun

  • Posted on November 11, 2013 at 4:09 pm
Shopping lingerie and nightwear for women online can be fun

by

Aalia Bindal

Every woman loves shopping and lingerie shopping is no exception. However, there are many woman who don\\’t feel comfortable in shopping for lingerie physically. Those women can meet their needs by going online for shopping. There they can shop within the privacy of their home without facing the embarrassment of asking the salesperson for the same. You can now shop lingerie shopping in the comfort of your own home with the click of a mouse button. shopping for lingerie and nightwear for women can be fun to do online, however you also need to be careful when shopping on the internet. There are plenty of store for lingerie and nightwear shopping, it might be difficult for you to choose one store to shop.

Once you find some reliable and reputable store then you can make a check out the collection offered by them and make a purchase. There are some great benefits of shopping lingerie and

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nightwear for women

online. The lingerie you will purchase online is often less expensive than local store. Furthermore, there you will get a wide range of options to choose from like thong underwear, cotton underwear, boy shorts panties, hip huggers panties, transparent bra, sports bra, backless bra, strapless bra, push up bra etc. Availability of a range of designs, styles, sizes and brands in lingerie on the internet will help you to get the best product for yourself.

There you will be able to find almost any type of lingerie and from any brand. Majorbrands is a perfect store to indulge in online shopping for lingerie in India. By choosing to shop lingerie and nightwear for online, you will be able to lay hands on a wide range of options in terms of designs, styles and sizes. There you will get a range of lingerie like thong underwear, hip huggers panties, boy shorts panties, cotton panties,

transparent bra

, sports bra,strapless bra, backless bra, push up bra and more. Besides lingerie and nightwear, you can lay your hands on various fashion products at the store such as apparels, handbags, cosmetics, sunglasses, watches and accessories. By choosing to shop online at this store, you are definitely going to have going to have pleasant shopping experience because of the wonderful customer care service offered by them. Here you will get the access to high quality fashion products from the finest and premium brands like Aldo, Mango, Bebe, Queue Up, Giordano, Inglot, La Senza and more.

Aalia bindal is a famous writer for

Online Shopping

. She has written many articles on la senza bras, buy watches online, beauty products, Nail Polish, makeup base, ladies underwear, bra brands, sports bra,

strapless bra

and many more in India.

Article Source:

ArticleRich.com

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Creating Home Gyms That Work

  • Posted on November 11, 2013 at 5:06 am

Submitted by: A Noton

If you’re interested in getting fit, you’ve probably thought about becoming a member at your local gym. While that is great, it can sometimes interfere with your lifestyle. That’s why, creating home gyms that work is the key to getting fit and still maintaining their lifestyle.

Just think of all the money you’ll spend on your membership fees over the course of the year. It can easily amount to around $500, if not more. So, you can take that money and invest it in fitness equipment, such as treadmills, rowing machines, exercise bikes and the like.

Not only will you be saving money, your money will also be put to good use. This equipment that you will acquire over time will end up being an asset that will stay with you forever. Plus, you’ll have the benefit of exercising whenever you see fit. That is the beauty that comes with home gyms.

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So, it’s important that you put one together properly. You have to ensure that you are purchasing equipment that will be targeting your various muscles, but also giving you the cardio workout that you are aiming for. Just because you’re working out at home, it doesn’t mean that you should be compromising in any way.

If your home is large enough so that you have an extra room, take advantage of that room and make it useful. Even if it’s being used currently as an office or what have you, you can easily be a multifunctional room, taking on the label of being home gym as well. Or, if you have a basement, you’ll be able to find a corner or a few square feet in which you can accommodate all your equipment.

What you want to achieve is a gym that is convenient, if at all possible. If you don’t have to move equipment continuously in order to use it, you’ll want to use it more often. Be careful not to overcrowd the area with various types of exercise equipment. If you only have a small amount of space, then purchase the equipment that you see more suitable and more purposeful to you.

Make sure you have a nice clean floor that flat, solid and level before you bring in your machines. Then, by some mirrors as large as you can and have them installed on the walls. It will make your workouts that much more pleasant, ensuring you are doing the workouts properly. Don’t forget to bring in a television or some music into the area, as they will certainly pump you up and keep you going.

Some fitness equipment to bring into your home could include weights, a power plate, a treadmill, a rowing machine, and anything else you see fit. Even though some machines might end up giving you similar results, it’s important to have some variation to avoid boredom. When people get bored and there are exercises, they tend to neglect them. And that will simply defeat the purpose of having a home gym.

About the Author: Fitness equipment retailer provides you with an informed decision on what fitness equipment would work best for you. Choose from many brands in

Treadmills Toronto

, ellipticals, bikes, personal gyms and Power Plates.

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Breast Enhancement Pre And Post Op Helpers

  • Posted on November 10, 2013 at 5:22 am

Submitted by: Abigail Aaronson

When you decide to have a breast enhancement procedure there are certain things that you should do both before the operation as well as following. Here we look at some pre and post helpers.

Breast enhancement essentially means improving the appearance of the breasts thanks to the work of a skilled plastic surgeon. There are certain things that it is important that you take under advisement before you book the date for your operation.

It is wise to meet with the cosmetic surgeon who will be performing the breast enhancement not just once but twice. If you meet on two occasions this will provide you with plenty of opportunity to review all of the details regarding the surgery as well as the opportunity for you to carefully contemplate your decision. You can also discuss relevant matters with the doctor such as the type of implant that will be used and the size of the implant.

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You will experience some discomfort during the first couple of weeks following the breast enhancement procedure. For this reason you should go shopping before the big day and buy yourself a couple of cotton sports bra that do not contain underwire. These will be more comfortable than regular bras and you will be thankful that you have them.

Two weeks prior to the augmentation you should not take any products that contain aspirin in them. The same can be said for blood thinners, anti-inflammatories or vitamin E. The reason for this is because all of these medications thin the blood and can increase the potential for bleeding during and following surgery. One over-the-counter medication that is safe to take is Tylenol.

In the same way, two weeks (14 days) before your planned operation you should cease to consume any drugs that are alternative in nature, as well as herbal or natural. The same can be said for any diet pills. Stop taking them. For example if you take Siberian ginseng, ginkgo biloba or any other type of herbal supplement refrain from taking it until after your implant surgery is over and done with.

While the results of your breast enhancement will become plain to you very soon after the surgical procedure, many patients find that it takes as many as six to eight months to come to appreciate the change in both the feel as well as the appearance of their bosom. The operation may be declared a success but there are emotional changes to adjust to as well as physical ones. Do not push yourself but instead learn to love the new way your breasts look and feel to you gradually over time. There is no hurry for acceptance to occur.

Most patients are permitted to return to their regular exercise routine within two to three weeks after their enhancement has been done. This tends to vary from patient to patient. Always follow the instructions of your plastic surgeon as he/she knows best. The only exception to this is upper body weight training. You are not permitted to do any upper body weight training or any push-ups before six weeks. Doing so could cause the implants to move and to end up being pushed in an upwards direction. This could in turn necessitate a second surgery.

About the Author: In New Orleans, breast enhancement can help you stand out from the crowd. Find out more at

doctorkinsley.com/

.

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Business Start Up Loans For Poor Credit Bombastic Starting Point For Business

  • Posted on October 31, 2013 at 3:51 pm
Business Start Up Loans For Poor Credit-Bombastic Starting Point For Business

by

Kelvin Lopez

Business is like flow of money here and there. At some moments you gain a lot of cash together and few points you have to shell out lot of money. Expanding your existing business of to set up a new one is hard because it demand for a vast amount. Solution to all business related problems is now available quite easily and it is identified business start up loans for poor credit. These loans are chiefly developed to steadfastness difficulties of UK population.

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Business start up loans for poor credit

is excellent for those people who are all set for opening a new endeavor but only can t do this because of any proper fiscal help. These loans are issued in two central forms i.e. secured and unsecured. Sometime a business person needs a little sum of cash for repairing of any machine or for any other small purpose then he/she can go for unsecured state. Under this measurement of these loans you have to repay amount within tiny era but applicant will gain currency without promising anything. Approval tempo of these loans is high and they offer you cash immediately.

Candidate can relate through internet so that you can achieve loan without any trouble. Terrible credit is like a break paddle which can discontinue moving the vehicle of your loan in between the road. UK lenders have removed this problem because these loans are offered without any bank record and credit assessment process. Human being who is having age of 18 or above 18 years can get cash from these loans. Applicant can pay back funds in some installments. This can subtract your stress very well. Business is way for fiscal growth of all persons linked with it and this loan plan is a mode to get your business in fine and healthy shape.

An easy and consistent guidance can be expected from Kelvin Lopez. He contributes regularly to the financial industry through his articles and right suggestions about

online small business loans

, bad credit business loans visit

businessstartuploans.me.uk/

Article Source:

ArticleRich.com

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Health Benefits Of Emu Oil For Skin Diseases

  • Posted on October 31, 2013 at 6:23 am

Get More Information Here:

By Blanca Ciotoiu

For hundreds of years, native Australian cultures have been enjoying the health benefits of emu oil. So, what is emu oil? This oil is harvested from a live bird by rubbing the oil glands that are found under the wing of this large native Australian bird.

The oil is then allowed to sit for several months, creating a very high grade oil that never sours. Emu oil uses has become extremely popular as the many benefits of this unusual oil have been studied by dermatologists and western practitioners. The findings have been both surprising and exciting.

Properties of this Effective Oil

While still in the preliminary stages of discovery for common use, emu oil benefits has been gaining the attention of the dermatological community. It is packed full of Omega-3 and 6 fatty acids. Omega-3 is a powerful fatty acid that is widely known to have huge benefits in relation to heart health.

It is also useful in regulating cholesterol and blood pressure. When taken internally, has the potential for being a very healthy fat, contributing to the reduction in common ailments related to these systems. Omega-6 is also known as linoleic acid. This substance is essential to the body and is present when new cells are forming. It is also necessary for many other body functions, such as tissue repair and blood clotting.

Common Emu Oil Uses

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It can be taken internally or used externally. Emu oil is commonly used on the skin because it penetrates well and is an efficient carrier for other ingredients. It doesn’t clog the pores or result in any residual problems, making it an ideal choice for skin care. It penetrates the skin deeper than other carrier oils.

Some of the common uses for emu oil are as follows:

Eczema- is completely hyper-allergenic and will not irritate existing conditions. The deep penetrating power may cause healthier cellular growth.

Arthritis – Emu oil has a number of pain killing properties that may aid in the reduction or reversal of arthritis symptoms.

Acne – Is one of the best treatments available for acne. It will not clog the pores and helps the skin regain balance while preventing further blemishes.

Burns – The quick elimination of damaged tissues is encouraged by the oil’s healing properties.

Massage – The deep penetrating abilities and carrier properties make emu oil perfect for massage. It can help increase the effectiveness of essential oils when they are added to this oil.

Stretch Marks – It has been used with success by many pregnant women to reduce the discomfort and appearance of stretch marks.

Emu oil on hair and scalp- It has a stimulating effect that can wake up a tired scalp, stimulating new growth and healing damaged and irritated skin. It is also an excellent hair conditioner, penetrating deep into the hair shaft.

Until recently, the majority of people were unaware of the many health benefits of emu oil, but as data comes in it is gaining in popularity. Individuals that are coping with serious skin conditions such as rosacea or eczema, or those looking for an effective moisturizer will find that the various emu oil uses will benefit them. Additionally, it helps alleviate pain and other problems.

The health benefits of this carrier oil are many, making it an essential and versatile addition to every personal care regime.

About the Author: Blanca Ciotoiu is a skin care enthusiast and is always on the look out to bring you the latest news and anti aging skin care treatments to keep you looking younger for longer. Visit her website for articles related to

Anti Aging Skin Care

and skin care such as

Essential Oils And Skin Care

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The Beauty Of White Gold Engagement Ring

  • Posted on October 31, 2013 at 5:34 am

Get More Information Here:

The Beauty Of White Gold Engagement Ring

by

Low Jeremy –

Indeed, ringsregardless of its kindare beautiful and stunning. Depending on your purpose, rings are always valuable and sentimental.

Through the years, the use of rings has always been associated with weddings and engagements. And among the so many types and kinds of rings that have emerged over time, one of most popular choices of brides and grooms is gold.

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Today, wanting to veer away from the traditional color of yellow in gold, more and more couples choose white gold diamond rings for their engagement. The contemporary beauty of white gold diamond engagement rings never fail to get the attention of countless future brides and grooms out there because it exudes elegance, simplicity, modernism and power all at the same time.

If you are already looking forward to wearing a precious white gold diamond engagement ring on your finger, then you might as well do a little research about it before finally purchasing it.

According to countless surveys, gold is the most commonnot to mention, popularchoice of most couples for their wedding or engagement rings. Gold can either be white golf or yellow gold. Common standards dictates that fine gold jewelry should be mounted in either 14-karat (K) or 18 karat (K) gold.

The 18-karat gold should consist of 18 parts pure gold combines with 6 parts other metals while the 14-karat gold has 14 parts pure gold with 10 parts of other metals. In case of couples looking for their wedding or engagement rings, it is very important that they decide how many karats of they want in a gold mount or shank because it will set the budget and determine some minor advantages and disadvantages.

In market, white gold is more preferable compared to yellow gold. It is also usually harder thats why it can last for longer period of time. White gold is usually more recommended for a diamond ring mount than yellow gold because it doesnt wash off after years of use.

Although gold yellow appeals because of its glow and bright finish, more and more soon-to-wed couples prefer the simplicity and elegance of white gold in their diamond engagement rings.

If you are looking for a valuable and reliable mount for your diamond, then you should settle for an 18-K white gold because it is harder and its resistance against scratches is greater compared to other metals. An 18-K white gold is also recommended compared 14-K white gold because it has whiter color. Also, it doesnt require rhodium in its plate to hide any discoloration that is common to 14-K white gold.

This content is provided by Low Jeremy. It may be used only in its entirety with all links included. For more information on Diamond Rings & other useful information, please visit

diamond-ring.articlekeep.com

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The Beauty Of White Gold Engagement Ring

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Organizing A Holiday At Mississauga Hotels

  • Posted on October 30, 2013 at 5:37 am
Organizing A Holiday At Mississauga Hotels

by

Adriana Noton

Mississauga Ontario offers some of the finest hotels in the Greater Toronto area. Whether a vacationer wishes to stay near the lake, or closer to the airport, Mississauga hotels provides great choices in comfort and affordability. Toronto hotels offer luxury while still keeping the tourist near the major attractions of the city, as well as the airport itself.

Airport Hotels Toronto

For those wanting to stay close to the airport, airport hotels in Toronto seem the best option. Ranging from luxurious to budget conscious, there are plenty of choices. An example of what to expect when getting off the plane here include: Sheraton Gateway, Delta Chelsea, Radisson and Best Western. A visitor can also find the Marriott, Hilton and Monte Carlo Inn.

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Lake View

A major attraction of Mississauga is its waterfront, and for those wanting to stay near the water, several hotels will suffice. The Waterside Inn offers great views and a wonderful restaurant. Hotel Novatel is a short drive from the lake, while keeping the visitor close to major shopping and other attractions. Holiday Inn and Hampton Inn offer great views of the lake, and Glenerin Inn offers elegance at its finest.

Long Term Stays

For those wanting a longer term stay of a few weeks to several months, Ports Hotel offers a range of services that will suit any need. Situated by Lake Ontario, the hotel offers convenient daily to monthly rates. The Waterside Inn also offers long term stays at the lakeside, ranging from weekly to monthly stays; simply contact either hotel to ask for rates.The Waterside Inn also offers long term stays at the lakeside, ranging from weekly to monthly stays; simply contact either hotel to ask for rates. Homewood Suites Hilton, Studio 6, Staybridge Suites and many other airport hotels in Toronto offer long term and extended stay options.

Budget

Other airport hotels Toronto and Mississauga areas include Comfort Inn, a budget friendly comfortable hotel. Admiral Inn gives a great price for comfort, Quality Inn near the airport, Holiday Inn Express, Motel 6 and Stage West All Suite Hotel all offer great prices, plus entertainment for any guest\\’s needs.

Reservations

As with any lodging, it\\’s a good idea to research any hotel of interest and book in advance. Many hotels offer discounted prices through AAA or CAA, senior discounts, family discounts and early booking prices as well. If reserving a room via an online source like Expedia, read the reviews and travel sites usually offer great discounts on last minute bookings too.Read on the hotel\\’s website if any necessities must be brought like hairdryers, shampoo or soap, as some will require the guest to provide these, while others supply them. If choosing to bring along computers, many hotels offer wi-fi in room included in the price, and onsuite safes may One last thing, don\\’t forget bathing suits and towels, as many of these hotels offer swimming, both indoor and outdoor, plus play areas, or are nearby local public swimming pools for a reasonable fee paid.

Unwind, relax and experience the ultimate in business functionality and well-appointed luxury of

Mississauga hotels

.

Article Source:

ArticleRich.com

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Dealing With Repossession

  • Posted on October 30, 2013 at 5:25 am

By James Copper

Dealing with repossession can be embarrassing and challenging to get through emotionally, let alone what it does to your credit report. Legally speaking, if you are unable to make your car payments, the lender who ensured that you would be able to drive off the car lot in the first place does have the right to demand the car. The misconception among consumers is the notion that once the car is handed over to the repossession agent, commonly known as the repo man, your liability ends and you may wash your hands of the debt.

When you apply for another loan a while later you are denied, or in the alternative offered high interest rates which are usually associated with consumers who fall into the sub prime market. The reason for this action is the notation on your credit report which reflects the fact that you creditor annotated your car loan with verbiage that speaks of the repossession, the amount of the loan, and perhaps also the amount of money that was outstanding as well as the amount of time which passed until the creditor finally decided to close your account. You might have thought the loan was gone, but instead the liability is still there.

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For this reason it is not a wise choice to let your car loan get so far behind that your vehicle will be in danger of repossession. Of course, when it comes to having a roof over your head, food on the table, or a sweet ride, you will most certainly choose the former two. Yet did you know that you can avoid the repossession of your car? First and foremost, contact your lender and see if they are willing to work with you. Some will allow you to skip one or even two car payments per calendar year, which will then be added to the end of the loan. Other creditors will permit you to refinance your car loan to span a longer period of time and thus drive down your payments.

If neither or these are options for you, go ahead and sell the car for the amount of money that is outstanding on it. Then, turn around and pay the lender. This will keep you from taking the hit on the credit report that is sure to come if you let the repossession continue. Keep in mind that in addition to the outstanding amount of the note, the lender will also charge you a host of fees simply for the repossession. Of course, if you find you are upside down on the car loan, this is not going to be a viable option for you. Sometimes you can go to a car dealership and attempt to trade in your ride for a beater that the dealership will then finance in addition paying off your first car. Granted, this is a bit like robbing Peter to pay Paul, but it buys you time – time which you might be able to use to find that great job that will help you to pay off the note.

About the Author: James Copper is a writer for

any-loans.co.uk

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