Hey all,
This is my first post here. I'm a content writer with a year and a few months' experience under my belt of writing both for myself and others. I've been offering my services on other forums, and since I just discovered Wickedfire, I want to bring my services here also.
To the point: I would like to post a few samples of my work and see how much you all feel my writing is worth. I'm a native English US writer and I don't outsource anything. I know how much people will pay for my content on other forums, but since this forum is obviously more knowledgeable and of a higher caliber than others, I may have to adjust my rate to stay competitive. I know that content writers are a dime-a-dozen, but native English writers with significant experience aren't too common.
I've lurked for a little while before registering, and something I've read several times is that a newbie should try to contribute before expecting anything from the community. With that in mind, I'm going to post some practical tips for content writers in my next reply, since this post is already long enough.
So here are my samples. The first two are keyword-based and the third is topical.
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“I need a car loan but I have awful credit!” This is the discouraged cry that is heard from many would-be car buyers. Is it really possible to get a car loan if you have bad credit? Of course it is; people are doing it every day. However, there are certain things you should know before plunging in and applying for a loan.
Know What Your Credit Really Is
This is one of the most important steps in applying for a bad credit car loan. Do you know that your credit is poor, or do you just think it is? Before applying for any type of credit, you should know exactly how you stand credit-wise, because if your credit is already bad, then you don’t want any false information to make it any worse. This is the great part about ordering and reviewing your credit report. Your report will show every time you’ve applied for and received credit, and how you performed in repaying the lender. You can get a free credit report from many sources online.
Don’t Expect Pity
This is what a lot of borrowers don’t like to hear, but it needs to be said so that your expectations can be on-target. It boils down to this: You know you have bad credit, the financier knows you have bad credit, so they’re not going to give you an amazing interest rate. They’re being merciful enough in granting you a loan in the first place! Don’t be surprised when they nail you with a high rate. It’s common knowledge that people with good credit get low rates, and people with bad credit get high rates – that’s just how life is. The good news is, if you can make your payments faithfully and on time, this loan will improve your credit in the long run.
Think Before You Leap
With that said, it’s important to do some preparation before applying. Will you really be able to make the payments if you get the loan? With the high rates that were just mentioned, it’s better to prepare too much than to not prepare enough. Be ready to set aside an extra amount of your paycheck to make your loan payments. If you get the loan and aren’t able to make the payments because you didn’t prepare enough, then it will make your credit even worse, and you probably wouldn’t be able to get a loan at all next time.
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So you’ve declared bankruptcy and now you need a loan to purchase a car. If you say that to most lenders out there, they will laugh you out of the office. What’s a person to do if they need car loans but have bankruptcy on their credit history? Here are a couple tips for making the best of it.
Do Some Legwork
To help obtain car loans after bankruptcy, you should try to re-establish your credit beforehand, if at all possible. Yes, the bankruptcy is going to be a huge, ugly mark on your credit report. However, if the lender sees that you have been making payments faithfully on smaller things, like a personal loan or credit card, then that will show them that you’ve improved since filing for bankruptcy. One of the best ways to repair credit is to get a prepaid credit card, which doesn’t allow you to spend money you don’t have, but does report your good behavior to the credit bureaus. Keep in mind that the longer it’s been since your bankruptcy, the better chance you have of getting the loan.
Be Prepared for High Rates
Yes, it’s time to face the nasty truth: if bankruptcy is still on your report, you’re bound to get slapped with a high interest rate on car loans. Realize that lenders call it like they see it, and people with bad credit will always get higher rates; that’s just how it is. Don’t be surprised when you see a sky-high APR. On the other hand, you should have a positive outlook on the whole situation: Yes, your payments will be a lot higher, but if you make them on time anyway, this loan will build your credit and give a good impression to any future lenders. Once you have established a good history with this lender, the payments for your next loan will be much more reasonable. Every cloud has a silver lining.
---
If you're looking for cheap laptops this holiday season, you've probably encountered some headaches with all the stores that keep jacking their prices and don't give you any relief. You're certainly not the only one looking for a decent laptop at a good price, but somehow the millions of other shoppers are managing to get a better deal than you. What gives? The one secret you probably didn't know about is that the Internet has a wealth of affordable laptops just waiting for you to choose from. Here's a few reasons why you would do well to look for cheap laptops online instead of in the store.
First of all, the simple fact is that cheap laptops are much more abundant online than they are in the store. In other words, laptops just cost less online. Why is that? When a company sells laptops online, all they have to do is keep them in a warehouse, already in their boxes, and then just send them out once an order comes through. They don't have to pay people to unpack them, sit them on a shelf in an air-conditioned building, and continuously keep the shelf filled with product. The overhead costs of an online store are exponentially lower than those of a brick and mortar building, so the company passes those savings on to you, leaving you with a final price that's often hundreds less than the same thing you would find in a store -- Not to mention the sales that you'll find with an online company, just like you would with any local store. They have special promotions too, and if you time it right, you would be amazed at how much money you can save!
Secondly, there is a much larger selection of cheap laptops online. If you've stopped by any large department store lately, you know that there's usually only one or two aisles of laptops at most, and even then, it's only a few models sitting on the shelf that you can choose from. How are you supposed to get a good deal with so few options? Has it occurred to you that no physical store would have the floor space to display everything that an online store has to offer? When you shop online, you're dealing with places that have literally hundreds of models to choose from. Could you put all of those on a shelf in a physical store? We don't think so!
The last point is that shopping online for cheap laptops is just more convenient. Who really likes to get up from their seat, get dressed, start the car and drive for miles just to look at laptops? The great part about shopping online is that you can plop down in your comfortable chair and browse for whatever you're looking for, whenever you want. Even if the only time in the day you have is 1:00 in the morning, you can still get on the Internet and shop for laptops! What electronics store do you know that's open so late?
This is my first post here. I'm a content writer with a year and a few months' experience under my belt of writing both for myself and others. I've been offering my services on other forums, and since I just discovered Wickedfire, I want to bring my services here also.
To the point: I would like to post a few samples of my work and see how much you all feel my writing is worth. I'm a native English US writer and I don't outsource anything. I know how much people will pay for my content on other forums, but since this forum is obviously more knowledgeable and of a higher caliber than others, I may have to adjust my rate to stay competitive. I know that content writers are a dime-a-dozen, but native English writers with significant experience aren't too common.
I've lurked for a little while before registering, and something I've read several times is that a newbie should try to contribute before expecting anything from the community. With that in mind, I'm going to post some practical tips for content writers in my next reply, since this post is already long enough.
So here are my samples. The first two are keyword-based and the third is topical.
---
“I need a car loan but I have awful credit!” This is the discouraged cry that is heard from many would-be car buyers. Is it really possible to get a car loan if you have bad credit? Of course it is; people are doing it every day. However, there are certain things you should know before plunging in and applying for a loan.
Know What Your Credit Really Is
This is one of the most important steps in applying for a bad credit car loan. Do you know that your credit is poor, or do you just think it is? Before applying for any type of credit, you should know exactly how you stand credit-wise, because if your credit is already bad, then you don’t want any false information to make it any worse. This is the great part about ordering and reviewing your credit report. Your report will show every time you’ve applied for and received credit, and how you performed in repaying the lender. You can get a free credit report from many sources online.
Don’t Expect Pity
This is what a lot of borrowers don’t like to hear, but it needs to be said so that your expectations can be on-target. It boils down to this: You know you have bad credit, the financier knows you have bad credit, so they’re not going to give you an amazing interest rate. They’re being merciful enough in granting you a loan in the first place! Don’t be surprised when they nail you with a high rate. It’s common knowledge that people with good credit get low rates, and people with bad credit get high rates – that’s just how life is. The good news is, if you can make your payments faithfully and on time, this loan will improve your credit in the long run.
Think Before You Leap
With that said, it’s important to do some preparation before applying. Will you really be able to make the payments if you get the loan? With the high rates that were just mentioned, it’s better to prepare too much than to not prepare enough. Be ready to set aside an extra amount of your paycheck to make your loan payments. If you get the loan and aren’t able to make the payments because you didn’t prepare enough, then it will make your credit even worse, and you probably wouldn’t be able to get a loan at all next time.
---
So you’ve declared bankruptcy and now you need a loan to purchase a car. If you say that to most lenders out there, they will laugh you out of the office. What’s a person to do if they need car loans but have bankruptcy on their credit history? Here are a couple tips for making the best of it.
Do Some Legwork
To help obtain car loans after bankruptcy, you should try to re-establish your credit beforehand, if at all possible. Yes, the bankruptcy is going to be a huge, ugly mark on your credit report. However, if the lender sees that you have been making payments faithfully on smaller things, like a personal loan or credit card, then that will show them that you’ve improved since filing for bankruptcy. One of the best ways to repair credit is to get a prepaid credit card, which doesn’t allow you to spend money you don’t have, but does report your good behavior to the credit bureaus. Keep in mind that the longer it’s been since your bankruptcy, the better chance you have of getting the loan.
Be Prepared for High Rates
Yes, it’s time to face the nasty truth: if bankruptcy is still on your report, you’re bound to get slapped with a high interest rate on car loans. Realize that lenders call it like they see it, and people with bad credit will always get higher rates; that’s just how it is. Don’t be surprised when you see a sky-high APR. On the other hand, you should have a positive outlook on the whole situation: Yes, your payments will be a lot higher, but if you make them on time anyway, this loan will build your credit and give a good impression to any future lenders. Once you have established a good history with this lender, the payments for your next loan will be much more reasonable. Every cloud has a silver lining.
---
If you're looking for cheap laptops this holiday season, you've probably encountered some headaches with all the stores that keep jacking their prices and don't give you any relief. You're certainly not the only one looking for a decent laptop at a good price, but somehow the millions of other shoppers are managing to get a better deal than you. What gives? The one secret you probably didn't know about is that the Internet has a wealth of affordable laptops just waiting for you to choose from. Here's a few reasons why you would do well to look for cheap laptops online instead of in the store.
First of all, the simple fact is that cheap laptops are much more abundant online than they are in the store. In other words, laptops just cost less online. Why is that? When a company sells laptops online, all they have to do is keep them in a warehouse, already in their boxes, and then just send them out once an order comes through. They don't have to pay people to unpack them, sit them on a shelf in an air-conditioned building, and continuously keep the shelf filled with product. The overhead costs of an online store are exponentially lower than those of a brick and mortar building, so the company passes those savings on to you, leaving you with a final price that's often hundreds less than the same thing you would find in a store -- Not to mention the sales that you'll find with an online company, just like you would with any local store. They have special promotions too, and if you time it right, you would be amazed at how much money you can save!
Secondly, there is a much larger selection of cheap laptops online. If you've stopped by any large department store lately, you know that there's usually only one or two aisles of laptops at most, and even then, it's only a few models sitting on the shelf that you can choose from. How are you supposed to get a good deal with so few options? Has it occurred to you that no physical store would have the floor space to display everything that an online store has to offer? When you shop online, you're dealing with places that have literally hundreds of models to choose from. Could you put all of those on a shelf in a physical store? We don't think so!
The last point is that shopping online for cheap laptops is just more convenient. Who really likes to get up from their seat, get dressed, start the car and drive for miles just to look at laptops? The great part about shopping online is that you can plop down in your comfortable chair and browse for whatever you're looking for, whenever you want. Even if the only time in the day you have is 1:00 in the morning, you can still get on the Internet and shop for laptops! What electronics store do you know that's open so late?
