Girl considering getting a loan

Being Prepared to Apply for a Personal Loan at a Bank

It is the Holiday season and many of us will once again watch the movie “Its a Wonderful Life” for the umpteenth time. We seem to never get tired of watching the life challenges that the James Stewart character goes through.

As the years have gone by, however, it has become more obvious how much the banking methods have changed in this country. Back in those days, a middle class person with good character could get a loan from any local bank. That was what we thought banks were meant for.

Today, it is really difficult to get a personal loan. Many large and regional banks have discontinued them. The financial institutions that are still offering personal loans require a top-rated credit history. They are quick to deny an application if all of their strict criteria is not completely met. Oh, and that good character thing – well that doesn’t matter anymore.

However, the need for a little cash to get over a slow period has not gone away. So, what do we do these days to give ourselves the best chance possible.

First, be prepared. When you do decide to apply for personal loan through a major financial institution, you do not want to be denied. In the Forbes article 5 Tips For Getting Your Bank Loan Approved, it states “It can be dangerous to your credit to continually apply for just any loan you think you may be able to get. Too many loan applications can ruin your credit and obliterate your chances of securing one in the near future.”

A key to not getting denied for a personal loan is to improve your credit history. One way to raise your credit rating is to acquire a secured credit card. Another way is to buy products on a payment plan that is easily within your ability to repay in a timely basis. For instance AddvantageUSA provides products that can be purchased online for a reasonable monthly payment. They then report your successful payment record to the major credit agencies. This is very effective.

These are a couple of ways to improve your credit rating in preparation of requesting a needed personal loan. Have you used other techniques? Share them with us.


Bfft10 Best Fitness Functional Trainer

Functional Training Allows Natural Movement When Exercising

Functional training is preferred by many because it allows natural movement during your exercise program. You can mimic regular tasks or everyday situations during your exercise program. To build strength and endurance using natural movement allows you to adapt your exercises specifically to your sport or your everyday activities.

As Fabio Martella says. “Functional training is the utilization of exercises which involve complex, multi-joint movements of the upper body, core and lower body. These movements enable greater overall bodily functioning and performance enhancement through improved coordination and the proper stimulation of muscular firing patterns.

This can lead to better muscular balance and joint stability, decreasing the possibility of injuries. If you are an athlete wanting to improve your performance or a parent that wants to safely carry their children, functional training is designed to assist you.

Exercise devices that do not employ functional training, such as fixed training equipment that you may see in your local gym, restrict movements to a single plane of motion. This is can be simulation of unnatural forms of movement. Functional training builds strength and endurance using natural body movement.


Addvantage USA offers the BFFT10 Best Fitness Functional Trainer that features adjustable pulleys which swivel 180 degrees providing a wide variety of starting positions. If you would like to learn more about functional training, contact AddvantageUSA at 888.601.5527.