How to Catalog Movie Collection Nightmares

If you have catalog movie collection  yesmovies nightmares that keep you up at night, don’t feel like you’re the only one. Many people are more than happy to buy movies, but then they don’t know what to do once they have more movies than they can handle. No matter what your catalog movie collection nightmare looks like, there are ways to make sure you’re able to track your collection as it grows. Here are the three most common catalog movie collection nightmares and how to fix them.

Too Many Movies

You might be the type of person who collects movies like baseball cards – and you can never have enough. By this is one of the most direct routes to catalog movie collection nightmares. Instead, you need to start paring down your movies. While this might not be the best advice for those who have to own a lot of movies, looking through your movies to see what you actually watch and what you do not is always a good idea. For example, you might have movies that you watched over and over, and that you might never watch again. Why are you holding onto them? Also, if you have the digital copies of some movies in addition to the DVD copies, do you really need both? Start taking out the movies that you don’t need and you’ll find it’s much easier to organize.

No System

Another source of many catalog movie collection nightmares is a lack of a system. Whether you choose to create a spreadsheet or you use a movie collection software system, you need something in place to help you manage your collection. Find a few different systems and try them all out on ten movies. See which one fits your lifestyle and your organization ideas. You might find that some work better than others – and that one is the right fit for you. Once you find the one that makes sense, it’s time to use it in your collection.

Lack of Maintenance

Once you have the catalog movie collection system in place, then you need to make sure you maintain it. That’s the tricky part for most. Having the system is fun, but keeping it up is not nearly as exciting. Instead, you need to look at this system as the way that you will begin to create a lifetime of movie organization. This system will help you continue to collect movies that then get watched and used the way you want to use them. Find a way to continue to update your collection software so that you’re never behind again.

No matter how many catalog movie collection nightmares you might have, there are ways to wake up and find things more organized. Yes, this will take work and you might need to spend some hours organizing your movies, but when you’re a movie nut, it’s all worth it. After all, what’s the fun of movies if you don’t know what you have or where they are?

Seven Action Movies You Might Have Missed

If you’re a fan of any genre of movies, you do your best to see every single film that you can. In many ways, it’s as though you’re treating each film like a connoisseur would any object of affection, and this is certainly the case 123movies  for fans of action movies.

There is something very intoxicating about action films because they tend to be what they are without any fluff or random bits attached. Sure, you could argue that plots can be contrived & there can be somewhat ludicrous love stories added for the sake of attracting a wider audience. But an action movie made as purely an action movie is something spectacular to behold.

The issue that any movie buff runs into, though, is being able to get away enough to watch every single movie they want at any given time. Between work & home, it can be hard to eek out a small window of time that allows for a guilty pleasure like an awesome action movie.

In the event that you’ve been busy “adulting”, here are seven action movies that may have just been off of your radar:

“Leap!” – Called “Ballerina” in foreign release, this movie is an animated adventure that is actually tailored more towards children. It’s a sweet story about a little girl’s love of ballet set in the late 19th century. Though the anticipated audience is younger viewers, there happen to be some very well-executed action sequences throughout the movie; plus, you can bring the whole family along for this one!

“Dunkirk” – Though positioned as a historical drama, this movie presents an ensemble cast & tells the story of the Dunkirk evacuation in World War II. With purposefully light dialogue & attention paid toward the visual experience (not to mention an astounding score), “Dunkirk” has already been included as a possible entry into the greatest war movies of all-time.

“Logan Lucky” – Perhaps a movie doing more towards catering to a specific audience, “Logan Lucky” tells the story of some down-and-out folks deciding to “stick it to The Man” with an epic inside-job robbery during a NASCAR event. Most marketing has focused on the comedic chops of the actors, but action fans will love what they see.

“The Hitman’s Bodyguard” – Take one part disgraced bodyguard, one part hitman-turned-informant, a light dusting of kidnapping, a few twists for intrigue, and you’ve got yourself the basic formula for a action-filled romp in this comedy-action movie.

“Baby Driver” – Imagine if your job was driving the getaway car after major crimes for some nice profit. Now, complicate that job with a love interest, more than your fair share of sociopaths, listening to music to drown out physical & emotional pain, and boy, do you have a heck of an action movie here!

“Wonder Woman” – OK. So, there’s a good chance you’ve seen this movie because nearly everyone has, but you have to admit that the action sequences are really epically shot. It seems as though we’re finally given a heroine with as much of a following as male heroes, rounded out by a rousing story based around World War I, Greek mythology, and a touching love story.

“Atomic Blonde” – Finally, what do you get when you mix international espionage, the fall of the Berlin Wall, a celebrated graphic novel as the source material, and a female lead that does kicks serious behind? You get “Atomic Blonde”, a movie that is a rocking good time for action fans.

Top Ten Kung Fu Movies Of All Time – What Do You Think?

TOP TEN KUNG FU MOVIES

Which are the top ten kung fu movies? There are a lot of great martial arts movies to choose from older classics to newer kung fu and karate movies.

1. Enter the Dragon. This classic Bruce movies123 free Lee karate movie was filmed in 1973 and by many is consider one of his best. This movie stars Bruce Lee, John Saxon, Jim Kelly, and Bob Wall. You will also a well known martial artist and body builder, Bolo, who has been in a number of kung fu and karate movies. In this film you will see Bruce Lee showing why he is a great martial artist, by use of his quick strikes, use of a variety of weapons, and adaptability in his kung fu techniques. Great movie! Enter the Dragon is a great showcase of Bruce Lee’s Jeet Kune Do style of martial arts. Four chili pepper rating.

2. Legend of Drunken Master. What’s not to like about this movie. You will see Jackie Chan as a young karate student who learns a drunken style from his drunken master. Drunken Kung Fu is a unique form of the Shaolin karate style. Whether this is an actual kung fu style, or was created for film is in question. In this martial arts movie, you will see the drunken master’s students fighting an evil Wushu gang, along with their master. The final fight scene is a hoot! Jackie Chan is magnificent in how he performs his drunken kung fu movements. The Drunken Master film doesn’t take itself too seriously, and employs a good measure of comedy throughout the film. The martial arts fighting in this movie is very well done. This martial arts movie provides good entertainment value. Rated Four chili peppers.

3. Jet Li – Fearless. This 2006 marital arts movie is at the top of the list for a more serious drama oriented, historical, Wushu movie. Jet Li plays Chinese Martial Arts Master Huo Yuanjia. Master Huo began studying martial arts by watching his father instructing other students. Huo goes from being less than competent as a kid; to developing his Kung fun skills, and defeating all of his rivals. This goes to his head, and he gets cocky. From Huo’s irresponsible fighting actions, he suffers tragedy. This tragedy leads to reflection and a change of attitude. Enter the European influence in China in the early 1900’s. Master Huo becomes the Chinese Boxing Champion, who defeats foreigners, to create pride among the Chinese people. This is a great movie, with exceptional martial arts action and fighting. You will also like the character, hate the character, then love the character. There is little humor in this film, but a great deal of drama, like a Greek tragedy. I have watched this film four times already, and never get tired of it. Rated: 5 chili peppers.

4. Big Trouble in Little China. This kung fu comedy drama stars Kurt Russell and came out in 1986. While this film may not be on everyone’s top ten kung fu list, it does stand out in the quality of the film, and the use of many Hollywood movie techniques. The story line is good with Kurt Russell somehow getting involved with kung fu warriors, a kidnapping, kung fu sorcery, and epic action packed scenes. The climax is when Kurt Russell must defeat Lo Pan, the mysterious kung fu master who is 2000 years old. There are no slow moments in this film. There is plenty of action, and many twists and turns. This martial arts movie provides good entertainment value, and is fun to watch. Rated: four chili peppers.

5. Karate Kid. This karate movie is the first of a series that came out in 1984, followed by two more Karate Kid movies with Ralph Macchio, Pat Morita, and Elisabeth Shue. A new Karate Kid movie premiered in 2010, starring Jackie Chan, and Jaden Smith. This is a story of a smart-ass kid who learns about life and karate from an unassuming and controversial Okinawan karate master. Who today, has never heard, “Wax on, wax off”. This is a story of a kid who wants everything instantly, but learns you have to work for anything of value. On the other part of the plot, you have an unscrupulous karate instructor at the local karate school, who teaches, win at any cost. This is where the two different karate worlds collide. Daniel is in the middle trying to learn Master Miyagi’s subtle teachings, versus the Americanized competitive form of karate. The film’s importance is showing that there are different levels of martial arts. Martial arts are as much mental, as physical. Learning martial arts involves much more than competing in tournaments. Rated 3 chili peppers.

6. Crouching Tiger, Hidden Dragon. Crouching Tiger, Hidden Dragon was produced in 2000 to very good reviews. In fact, it won 4 Academy Awards, and received very high review ratings. This classic kung fu movie starred, YunFat Chow, Michelle Yeoh, and Ziyi Zhang. This in many ways is a classic kung fu movie with a Greek tragedy storyline. This film is huge in its range of scope, scenery, and story line. This film includes a search for a magical jade sword, and missing treasure. You also have a love story, and an assassin to deal with. The scenery in Western China’s mountains, gives this film an extraordinary visual palette to enjoy. Some of the scenes of flying though the air were a bit strange, but, hey, it is a movie. This is a good movie with an abundance of expression. This is a classic kung fu epic. Rated five chili peppers.

Get Rid Of Sports Betting Problems Once And For All

Do you love watching your favorite player or team in a certain sports? Most, if not all, big sports fans would at times make a bet on which player or team would win in a sporting event. Fans do this really just for fun. But some have become so skilled at betting on sports online, that it is no longer just a hobby for them. instead, for some, it has become their livelihood.

Being engaged in sports betting, particularly in online sports betting, is very easy and almost anyone can do it. There’s really no secret formula or mathematical computations needed for one to be a good sports bettor. All you’ll need is to have a good knowledge of the sport and the team or player that you will place your bet on, as well as the rules and the odds of your bet.

Placing a bet on your favorite sports gives you more reasons why you should watch your favorite team or player play. The thought of having your money on the table adds more excitement on an otherwise boring game. This creates a competitive atmosphere even when you’re just watching with your friends at home. Another reason why you should engage in online sports betting is that it can make you more money. As previously stated, there are some people who turned this little hobby of betting on sports into a full-time job and their salary is based solely on the outcome of their bets.

Making a bet on sports can be done in several ways. There are some sports bar where people gather to watch a certain sporting event and make their bets with the other people who are watching the game. Then there are the more technical ways of betting, like the making a sports bet on a casino sports book, over the phone and online. The rules on these kinds of betting can 안전공원 have some variations and rules specific to each category. But the main concept of sports betting is still present whichever method of betting you prefer to use.

The idea behind betting with an online bookmaker or sportsbook is actually very simple. In each game, the odds makers will be the ones that will set the “lines or odds” that will be the basis of all the bets and winnings of the bettors. It can be a little bit confusing at first, but it will become easier when you get familiarized with the entire process of sports betting.

Placing a wager on an online sports betting site has changed the way how the people look at sporting events. They are no longer watching as mere spectators, but have become a part of the team they cheering for. So if it’s just your first time to engage on sports betting, then there’s nothing that you should be worried about. There are a lot of online sports betting websites that offer free guides on how to start with online sports betting. Just always keep in mind that online sports betting is something that should be seen as a way to have fun and enjoy the game.

Best Click Funnel Tips You Will Read This Year

There are a lot of different topics within the field of internet marketing. This can make it understandably hard for a newbie to start working as a marketer online. A lot of people who are in internet marketing assume that everyone understands some of the most basic concepts. That’s not always the case, especially when it comes to the sales funnel. Most newbies don’t understand what a sales funnel is, as well as how it applies to them.

We could go into a big discussion that really confuses you, but instead we’ll explain it in much easier to understand terms. Think of a regular funnel, like the one you may use  to put oil into your car. The funnel has a narrow end and a big end. You pour things into the big end and they come out into the narrow end.

Easy enough to understand, right? But what is a sales funnel? Well, imagine that all of your customers are poured into the big end. These are all the people who come to your site and see your product(s). They go through the funnel, deciding which, if any of your products to buy. Those who end up buying every single one of your products come out at the narrow end of the funnel, thus completing your funnel. Those that don’t buy all the products leave your sales funnel incomplete. That’s a sales funnel in a nutshell.

Now that you know what a sales funnel is, you’re probably wondering whether it’s an important thing for your business. It definitely is, which is why you should create a sales funnel to help turn a profit. But how exactly do you create a sales funnel? That’s something we’re going to delve into here.

For internet marketers, the funnel is an array of products, each which they hope to sell to potential customers at the top of the funnel. Essentially, the goal is for the customers to go through the funnel, and at each stage, buy something. The products are arranged from cheapest to most expensive. The further the clickfunnels discount 55 off customer gets in the funnel, the more expensive products they buy.

A typical sales funnel begins with a free product. This free product entices the customers to go and buy the next up product and the next one etc. A free product may be an eBook, a software program or another internet marketing product. Whatever it is, it’s free and is something pretty much all your potential customers will take advantage of.

The next product in the funnel after the free one should be a very inexpensive product. You may consider a price range of $4.99-$15.99 for it. This product is really responsible for getting things rolling. If your customer ends up buying this product, you can be sure they’ll at least give you one or two more sales, if not go through the whole funnel.

Second Hand Clothes Are Right Choice

You may in the past have turned up your nose at second hand clothes in favour of the latest fashion from the high street. Perhaps it is the idea of rummaging through stacks of old musty clothes at a car boot sale, jumble sale or charity shop that has put you off. But second hand clothes are now right on trend and there are plenty of good reasons to buy them.

Buying new clothes all of the time to satisfy your desire for a constantly changing selection of clothes in si do si nguyen kien your wardrobe can be very damaging for the environment. Buying second hand clothes is a good way to get your fashion fix but also do your bit for the environment at the same time.

‘But second clothes are not as nice as new stuff’, I hear you muttering. Well that is where you are wrong. It may take a little while to find it but there are plenty of very lovely second hand clothes around some of them hardly worn. Just recently I got myself a very nice Burberry Prorsum safari style top for just £4. It was in perfect condition, it did not smell and it was a lot better quality than anything that I could have bought new for ten times this price. I was delighted to see that the sleeves were lined, the seams finished with bias binding. I quite often wander around the high street shops to have a look and am constantly amazed at the low quality of some of the clothes that I find. Perhaps once in my teenage years I could have got away with poorly made clothes in bad quality materials but I have found as I have got a little older that quality clothes look so much better.

‘But second hand clothes are all out of fashion and frumpy’ is another objection that you may hear to buying second hand clothes. Well I don’t think that is the case at all. Firstly because the same fashions tend to come round and round again season after season. Take floral prints, nautical style clothes and sixties style mini dresses. All of these trends have been seen on the catwalks numerous times of the last 10 years. Even my safari style Burberry Prorsum top happens to be right on trend as safari was listed by the top fashion magazines as a key trend this year.

When getting dressed I prefer to be stylish than fashionable anyway. In the words of the late Yves St Laurent ‘ fashion fades, only style remains’. By buying second hand clothes I can afford to buy really good quality classic clothes that never really go out of fashion and that can perhaps be accessorized with a few of the seasons accessories although I prefer a few quirky and different second hand accessories myself.

Trends and fashions change constantly but wearing the latest fashion does not mean that you look good. Woman seem to have found a new confidence in the clothes that they wear lately and are daring to be individual and wear what really suits them. Second hand clothes are great for experimenting with new looks and finding great quality at the fraction of the price it would cost new.

Improve Your Golf Game by Relaxing – Learn a New Technique

When you play golf, are you tense? Do you have trouble relaxing and concentrating on hitting the ball? You are not alone if you have these issues.

It can be really hard to relax when you are out with your golfing buddies. If you really screw up a shot, you will never hear the end of it. They will still be talking about it 20 years from now!

Relaxing is something that most everyone needs to work on. It isn’t easy to relax and the more you think about relaxing, the more tense you get. You can go out to your backyard or anywhere that you can have privacy and practice swinging. Remind yourself to relax and breathe as you swing. Choices Hack If you are actually able to relax, you will notice that your balance will improve as well. Since your balance is the most basic foundation of your golf swing, you will find that the more you practice, the more it will improve. You can practice improving your balance by assuming the address position with your club, relaxing your body and trying to hold it there for around 30 seconds. Are you balancing on both feet equally or are you placing more weight on one foot or the other? Are you tensing up one part of your body more than the rest?

Have you tried to practice relaxing but it didn’t work? The bottom line is that if you can’t relax, your balance will be off and so will your swing.

If you want to try something different to improve your golf game, you can try another method that that has been found to work even better than going to the golf course to practice is to use mental golf training in the comfort of your own home. It has been found to be 5-6 times more efficient than practicing on the driving range. The mental golf training technique is something that Tiger and the top tour players used to become the successful players they are. Tiger is said to use subliminal affirmations ever since he was 13.

This type of system works by using subliminal affirmations combined with brain wave states and relaxation techniques. The purpose of this technique is to go straight into your unconscious mind by bypassing your conscious mind. The unconscious is the part of the mind that controls our habits and behavior. The brain picks up any messages that get through to it, and immediately uses them to build new thought patterns and behaviors. The complex movements of the golf swing will become a natural habit as driving a car. Once your unconscious is trained your golf game will work on autopilot without thinking.

Using this method will greatly improve your golf game and you can use it as few as three times a week. Typically this type of system uses relaxing music to sooth your mind and allow it to be more receptive to the subliminal messages. If you use it consistently, you can easily catapult your golf game to the next level.

A Glimpse of the Rising Industry

If you follow the book, online betting is really not a new thing in online gambling. Yet, with all the evolution it went through, it was able to transform into a very different form of game. With this transformation, betting online has also become less difficult as it should be that is why you do not have to spend a lot of time and effort to learn the ropes on how to do it properly. Moreover, online betting has also become ubiquitous. It has ceased to become a scary step of doing risky moves just to end up on the losing end. In fact, people could already bet online, do online gambling and play roulette just for the sake of having clean and safe entertainment.

How to Bet in Horse Racing

Horse racing is one of the early beginnings of betting both online and offline. A lot of people believe that the reason why horse racing was done is to give people something to bet on. Although there are no hard known facts that could prove this idea, even the experts would agree that indeed betting was one of the major reasons why horse racing came about. It would not be difficult to find sites that offer online betting especially sites sa game that offer horse racing. In fact, many of the established gambling sites online were created for the purpose of horse race betting. Thus, it would not be that difficult to find a site that you could use to start betting on horse races. However, what you should be more particular of is if you are capable of making the right decision in choosing which side you should be placing your bets on. Although there are some online sites that are mainly used for horse racing, there are those that also offer other betting games and casino games. It would be more ideal to go for sites that are solely dedicated for horse racing so you could get a special treatment that you should have as you are entitled to it.

Placing Bets and the Sports

As time passes, both traditional and online betting has been able to widen their reaches. Not only do they bet on horse racing, they also do bets on different kinds of sports such as basketball, football and soccer. In fact, it has been found out that using these sports in online betting are considered as big time profit makers. This can be very enticing especially for avid fans of certain sports as they could just bet on their favourite teams. It is actually not difficult to place bets as betting lines are always open especially when big tournaments are being held. The most ideal sports tournaments to place in are national and international sports leagues.

Not so Traditional Betting

Betting that is unconventional includes the kind of betting that does not include sports and horse racing. You would be surprised what sorts of things people try to place their bet on. There are those that are uncanny, weird and odd. An example would be the next blooper that Paris Hilton would commit. Anything that you think to be unimaginable is usually used for betting. The idea is to just have fun while earning some money for it. However, these kinds of bets are not just meant for these mundane events. They could also be done for more serious events such as the next American president. This kind of betting usually attracts people who are into politics and more serious issues.

Why Don’t I Remember My Dreams?

Do you remember a dream nearly every morning? If so, consider yourself fortunate. Most people recall dreams only once in a while. Some never remember them at all. It is a scientifically proven fact that everyone has four to six dreams every night. But why are so few remembered?

Do loud noises jar you awake?

If you wake up to an alarm clock every morning, it can jolt you awake too suddenly. The same goes if your phone starts ringing while you are still asleep. It is difficult to hang onto fleeting dream images when one is suddenly jarred awake by a loud sound.

Solution: Tell yourself that you will gently awaken about five or ten minutes before the alarm. With practice, this becomes easier. Having those minutes of calm before jumping out of bed allows time and space for dream recall.

Are you too busy?

Too often, there are so many things one has to think about after getting out of bed. Being too busy is yet another reason for not remembering dreams. One may be interested in dreams and curious about what they mean, but there may be too much to do and so little time to nam 1991 menh gi take those moments to jot down a few sentences. When you are busy, the ego can decide to make a dream disappear altogether–moments before you open your eyes.

Do you believe that dreams have no importance?

The ego or conscious mind might logically, (but mistakenly) believe that there are no practical uses for dreams–so why bother to remember them? In truth, dreams are necessary for health and well-being, and are useful for the guidance they provide. Once the ego learns their value, remembering dreams will be welcomed.

Fear of nightmares and bad dreams can block recall

You may have had the wrong impression about the meaning of some of your dreams, especially if they have seemed bad, embarrassing, or frustrating. You may be fearful about what these symbolic images may actually mean–therefore, such dreams will fragment away before you can fully open your eyes.

If you have been prone to nightmares, the ego may block the remembering of dreams as a way to protect you. It is not fun to awaken out of breath, with heart racing, still feeling full of fear because the nightmare seemed so real.

I have worked with many adults who had terrifying nightmares when they were children, which resulted in a shut-down of dream recall from childhood on.

In truth, nightmares and bad dreams are a gift. We tend to internalize stress. Fears, worries and concerns can plague us when the economy is in a recession. Nightmares alert you. They SHOW you how much fear and stress is stuck within the subconscious. Negative emotions can hurt the body and cause pain, illness and depression. These need to be released. So, be thankful for the nightmare when it appears. It is your friend.

Why try to remember dreams if you don’t know how to understand or interpret them?

Dream images may make no sense to you. Therefore, your ego can think: Why bother to clutter up the waking mind with nonsense?

Why don’t dreams make sense? The majority of them are in symbolic code. Our modern culture has forgotten how to decode and understand the language of symbolism.

Ancient and primitive cultures knew the value of their dreams. They intuitively knew how to understand them and use them for daily guidance. Through the intuitive-based DREAM DECIPHER Process, we can re-remember that elusive skill of interpreting our own symbolism. When one discovers how easy it is to Decipher one’s dreams, it then becomes exciting to interact with the dream-state.

When you want to remember your dreams, this sets an intention–and all parts of you will co-operate. Decide to ask to remember a dream tonight!

Look for other articles in this series “The Most Often Asked Questions About Dreams.”

TIANNA GALGANO, Dream Master, Dream Expert

Cert. NLP Master Practitioner, Cert. NLP Health Practitioner

Certified, Clinical Hypnotherapist, EFT Meridian Tapping Specialist

How to get a loan if you have bad credit?

While it can make financial decisions more complex and expensive, people with “bad” credit (usually, a FICO score below 630) have options. Taking advantage of them can often have the additional benefit of increasing your credit score as a reward for stable financial behavior.

For example, loans. People with low credit scores sometimes think that it makes no sense to apply for a personal loan because there is little chance of getting approval. But that reasoning ignores a crucial recent change: the rapid growth of available lenders, including those that specialize in services for those with lower credit scores.

Who are you going to call?

Make no mistake: The lower your credit score, the more likely you are to pay a higher interest rate for any loan you can get. This is because your low credit score tells the bank that you have a higher risk of repaying the loan in full. To protect the investment (and separate the pain from loans that are not refunded), banks charge higher interest rates.

That is why one of the first questions to consider is whether you need an external lender at all. For some people, a loan from a family member may be a viable option, and if your credit score is too low, it may be your only option. Treat the transaction as you would with a professional lender, with clearly defined terms (such as the duration of the loan, and interest rate) in a written document. And never make a loan contract that could jeopardize your future relationship with that person.

If you cannot find a member of your family to lend you money, another alternative would be to ask them or another person to sign a loan jointly. But remember: the guarantor is accepting the legal obligation to return the mortgage on your behalf if you do not pay it. Here is another case where you should not risk jeopardizing a friendship or family relationship if you cannot pay your loan.

Testing an online lender

If those private options are not available, you can look for alternative lenders that offer the lowest rate you can get.

Credit unions, for example, can often be a better proposal than traditional banks. And because they are smaller and are non-profit organizations that work for the benefit of their members, you may be able to get lower rates and more personal customer service. A Google search for “credit union” and the name of your city or county should show the credit unions available in your area.

Another option is a point-to-point lender (P2P) online. P2P works as an online platform that matches it with individual lenders who are real people, not banks. With a P2P lender, you may have a better opportunity because, unlike more traditional lenders, they may consider more than your low credit score to sign your loan.

An essential advantage with P2P and online lenders is that your credit score will generally not be negatively affected if you are simply researching and want to see what loan terms you can get. You will usually complete a pre-application that involves a “soft” query on your credit report that does not affect your credit score. But keep in mind that once you formally apply for a loan, lenders are likely to require a “hard” consultation, which can affect your credit score if you have too many difficult inquiries for a short period.

Reducing credit card debt (also known as debt consolidation) is the main reason why people seek agreements with P2P lenders. On the most popular sites, credit card payments account for 60 to 80 percent of all loans. They are significantly lower than the interest rates on their credit cards, saving them money throughout the loan.

But interest rates can vary widely. Sometimes you can get low one-digit prices, but they can also rise above 30 percent, depending on your credit score, income, and the reason you want the loan. While these lenders are not faceless banks, they are still investors who do not seek to lose money when people do not pay their loans.

Avoid payday lenders

There is a point of sale that should almost always be avoided: Payday loan providers. These lenders charge astronomical rates, sometimes as high as 400 percent, on short-term loans that average around two weeks, and often do not require credit verification at all. As bad as you need cash, be very careful not to fall into the endless cycle of the payday loan. We will cover payday loans in a future blog post, so stay tuned. But be careful about payday loan. Because you can be trapped with payday loan debt.

If you are looking for a loan in the market and have bad credit, you need to research to find both “private” options, friends and family, and newer online lenders that don’t just focus on credit scores. Then, compare different potential lenders, as the platforms will require different minimum credit scores, loan terms, and, most importantly, rates that can reduce your spending or debt reduction capacity.