VoIP (Computer Phone) Warning

Warning! Warning! Warning!

Beware of VoIP internet service providers that operate on industry standard codec and industry standard protocols because they are PUBLICLY OPEN and INTERPRETABLE! This also includes, but is not limited to, peer-to-peer (P2P) networks.

In plain terms, this means, if you subscribe to, or considering subscribing to a VoIP internet solution provider who operates on these industry standards ? and over 90% do -- you have inadvertently made yourself vulnerable to the criminal activities of hackers.

Regardless of the type of anti virus software you have on your computer, the publicly accessible industry standards provide a pathway by which these criminals can access your computer to plant viruses, worms, Trojan horses, and/or steal your identity.

Like sharks in a feeding frenzy, unscrupulous criminal hackers view systems operating on these industry standards as their personal "Cash Cow" because of the ease by which they can access your computer and gather your information to sell to other criminals.

Did you know that some hacker-friendly providers offer processor chips that are only sold on the Internet?

Did you know that hacker-friendly providers actually offer hacker software that enables these criminals to deliberately disable security on computers, access your personal and confidential information, as well as inject their viruses, worms, and/or Trojan horses?

For instance, "Vomit" is a free download software that was designed to convert VoIP phone conversations into a wave file which could be played with standard sound players. Hackers gleefully interpret this as a tool they can utilize to attack unsuspecting victims.

Hacker manuals are also easily accessible via the Internet. One of these manuals shows how to DoS other sites. DoSing (Disruption of Service) involves gaining unauthorized access to the "command prompt" on your computer and using it to tie up your vital Internet services. When a hacker invades your system, they can then delete or create files and emails, modify security features, and plant viruses or time bombs onto your computer.

"Sniff" is another tool (originally intended to help telecommunication professionals detect and solve problems) that criminal hackers use to tamper with the protocol and "sniff out" data. When hackers sniff out a data packet from Internet traffic, they reconstruct it to intercept conversations. This enables them to eavesdrop on conversations, gather information, and sell it to other unprincipled criminal entities.

Identity Theft

Identity theft is one of the most sinister of vulnerabilities you can inadvertently be subjected to. Identity theft is defined by the Department of Justice as

"?the wrongful obtaining and using of someone else's personal data in some way that involves fraud or deception, typically for economic gain."

Identity theft is the by-product of unscrupulous criminal individuals obtaining your social security number (including those of your spouse and children), your bank account, your credit card information, etc. Your information is then sold to other criminal entities for profit. Using your information, these criminals can then:

? access your bank account funds
? create new bank accounts with your information
? create driver's licenses
? create passports

Attorney General Ashcroft stated that,

"Identity theft carries a heavy price, both in the damage to individuals whose identities are stolen and the enormous cost to America's businesses."

Don't be na?ve enough to think it won't happen or couldn't happen to you!

A group hosting a website known as shadowcrew.com was indicted on conspiracy charges for stealing credit card numbers and identity documents, then selling them online. While this group allegedly trafficked $1.7 million in stolen credit card numbers, they also caused losses in excess of $4 million.

According to a Press Release issued by the Department of Justice on February 28, 2005, a hacker was convicted of several counts of fraud, one in which

"?he fraudulently possessed more than 15 computer usernames and passwords belonging to other persons for the purpose of accessing their bank and financial services accounts, opening online bank accounts in the names of those persons, and transferring funds to unauthorized accounts."

If you are using a VoIP internet service provider and do not want to be a victim of Identity Theft, then take the first step to protect yourself -- don't use VoIP internet service providers operating on industry standard codec and industry standard protocols.

Viruses, Worms, and Trojan Horses

On January 28, 2005, a press Release issued by the Department of Justice reported that a 19 year old was convicted for his criminal activity by "?creating and unleashing a variant of the MS Blaster computer worm." Christopher Wray, Attorney General ? Criminal Division stated that,

"This ? malicious attack on the information superhighway caused an economic and technological disruption that was felt around the world."

On February 11, 2005, in a Press Release issued by the Department of Justice, reported that another criminal was sentenced for circulating a worm. This worm,

"directed the infected computers to launch a distributed denial of service (DOS) attack against Microsoft's main web site causing the site to shutdown and thus became inaccessible to the public for approximately four hours."

March 7, 2005, Symantec.com posted discovery of a worm named "W32.Serflog.B" that spread through file-sharing networks and MSN Messenger ? networks that operate on publicly open and interpretable industry standard codec and protocols, including P2P systems, as well as Instant Messaging systems-none of which are protected, regardless of the anti virus software on your computer. The W32.Serflog.B worm also lowers security settings and appears as a blank message window on the MSN Messenger.

If you don't want to be the next victim of the devastation created by worms, STOP using services that operate on industry standard codec and protocols, and/or services that incorporate P2P systems.

Anti virus software does not incorporate protection for Instant Messaging services. In addition, Instant Messaging services, in and of themselves, do not include protection for their users.

If you like the convenience of text chatting via Instant Messaging, then use a VoIP internet service provider that includes the Instant Messaging feature -- one that does not operate on industry standard codec or industry standard protocols that are publicly open and accessible.

Optimally secure VoIP service providers that incorporate a secure Instant Messaging feature, operate from their own proprietary high end encryption codec on patented technology that is hosted in a professional facility. Simply put, when a VoIP internet service provider operates on optimally secure platforms, the Instant Messaging feature on the VoIP softphone, is also protected with their technology.

A Trojan horse is a program that internet criminals use to interrupt and interfere with your security software and produces the following results

? Terminates processes
? Removes registry entries
? Stops services
? Delete files

Hackers, who have gained access to your computer, because of the programs and software as mentioned above, are having a field day incorporating this nasty little program into their arsenal of weapons.

As recently as March 4, 2005, a new Trojan horse was discovered that modified settings in Internet Explorer. Windows 2000, Windows 95, Windows 98, Windows Me, Windows NT, Windows Server 2003, and Windows XP were the reported systems that could be affected.

Here's the bottom line.

1. If you are currently using a VoIP internet solution provider that operates on industry standard codec and industry standard protocols that are publicly open and interpretable, you need to make a decision:

a. Continue enticing criminal hackers and remain on their service, or
b. Take immediate corrective action.

2. If you are currently using Instant Messaging of any sort, you need to make a decision

a. Continue enticing criminal hackers and remain as a user of their service, or
b. Take immediate corrective action.

If you decide to take immediate corrective action:

1. Find a VoIP internet solution provider that has their own proprietary high end encryption codec

2. Find a VoIP internet solution provider that has their own proprietary patented technology

3. Find a VoIP internet solution provider that hosts their proprietary patented technology in a professional facility

4. Find a VoIP internet solution provider that includes the Instant Messaging feature in their proprietary patented technology

**Attn Ezine editors / Site owners ** Feel free to reprint this article in its entirety in your ezine or on your site so long as you leave all links in place, do not modify the content and include the resource box as listed below.

Dee Scrip is a well known and respected published author of numerous articles on VoIP, VoIP Security, and other related VoIP issues.

Other articles can be found at http://www.free-pc-phone.com

Here's a place you can look over to see what a VoIP internet solution provider looks like that operates on their own proprietary high end encryption codec with their own proprietary patented technology hosted in a professional facility, AND that incorporates the Instant Messaging feature: http://www.free-pc-phone.com.

Learning to Listen

The second verse of Amy Grant's song, "Angels Watching Over Me," reminds us that God has given His angels charge over us to keep us in all our ways - even when we are not aware they are there. Amy sings, "God only knows the times my life was threatened just today. A reckless car ran out of gas before it ran my way. Near misses all around me, accidents unknown, Though I never see with human eyes the hands that lead me home. But I know they're all around me all day and through the night. When the enemy is closing in, I know sometimes they fight To keep my fight from falling, I'll never turn away. If you're asking what's protecting me then you're gonna hear me say:" Angels Watching Over Me . . . ."

Most of us want to SEE before we believe that God's angels are there. Amy's song reminds us that they are there - in the dark places, in the secret places, in the "coincidental" happenings. Pause for a moment and reflect on the seemingly small incidents in your life. I'll share one from my own book of memories to jog your mind.

I was returning home from a visit to my daughter in Knoxville, Tennessee. Approximately forty miles from home, I was hot and tired from the drive and long weekend. To break up the drive and cool off a bit, I decided to stop at the Dairy Queen for refreshment. I had enough time to relax a little bit before my evening teaching stint began. A thought passed through my mind: "Wait until you get to Ellijay to get your ice cream cone." I brushed it aside, and turned into the Dairy Queen in Chatsworth, a small town on the north side of Fort Mountain. Another thought persisted, "You'll be sorry you didn't wait. You won't get a chance to rest before you have to go to work."

I ignored it. I had plenty of time! My air conditioner wasn't working very well (needed freon), and I wanted that ice cream!

As I turned into the DQ driveway, I noticed a couple of big dump trucks with distinctive markings on them. They were from Fannin, a county just north of Ellijay. I groaned, figuring I would get behind them later on. But nothing could keep me from that ice cream cone dipped in chocolate!!

There are two roads that lead to Ellijay from Chatsworth: One over Fort Mountain, the other around the mountain. I usually take the road around the mountain - a very scenic drive that is not so curvy and steep. As I drove through the small town, a thought passed through my mind, "You should go over the mountain today." I shrugged off the voice and kept traveling down the highway, passing the road that leads across the mountain. My mind was set: I would take the easier route to Ellijay.

The road around the mountain has some steep, impassable, sections with blind driveways and one must drive with extra caution. Just as I crossed the county line - the worst of these places - the traffic was at a standstill. I could see one of the big dump trucks from Fannin County, a sheriff's car, and a mobile home tilted sideways in the road, making it impossible to pass. I banged the steering wheel, with both hands, irritated at myself, the heat, the traffic jam, and jumped out of the car, and walked up the hill to talk to the deputy sheriff.

"How long will we be here?" I asked him.

He shrugged his shoulders. "Don't know, Mam. Your guess is as good as mine."

From this vantage point I could see what had happened: the driver of the truck pulling the mobile home had misjudged his distance and had backed the mobile home into a ditch, blocking all lanes of traffic. It looked as though we would be held up for a long time. Not a pleasant prospect since it was ninety five degrees in the shade!

"Is there another way to Ellijay?" I asked hopefully, knowing the answer was not one I would enjoy.

"Sure," he said. "You can go back to Chatsworth and cross the mountain."

"I told you to go over the mountain," the thought in my mind whispered as I walked back to my car. I looked at the dump truck sitting there, motor off, the driver with his head lying back against the seat. The other dump truck was nowhere in sight. If I hadn't stopped for refreshment, I would have been in front of both the trucks. I should have listened to the voice long before now. But I had ignored it.

"Near misses all around me . . . ." Amy's song rang through my mind. God was trying to tell me an easier way. If only I had listened! No, it wasn't a life-threatening situation this time. However, it could have been. Would I have listened?

I encourage you to look for God in the small things. Learn from your mistakes (and mine!). Don't be too busy, or too set in your ways to change your course of action. God cares for you and wants to help you. That's why He has given his angels "charge over you." Listen. LISTEN! L I S T E N!

About the Author:
Linda Van Fleet is a freelance inspirational writer specializing in articles and features on Christian lifestyle topics, angels, Internet and social issues. Linda also owns and maintains several websites: Applecity.com, StoverMusic.com, TrueSoulMate.com, Ateau.com as well as content syndication site Awesome Web Essentials. and http://ibelieveinangels.com. Linda has 2 children and three grandchildren.

? 2005 Linda Van Fleet All rights reserved.

Selling ? Remember These Ten Rules and Succeed

There are thousands of books and seminars on how to succeed. What many don't make explicit is the requirement to be a great salesperson ? even if you're selling an idea!

Here are the ten simple but powerful rules that will guide you in all your selling decisions.

* Helping. Get into the mindset of respecting and helping the customer. The hard sell today does not work.

* Knowledge. Know your product/service, customer and industry inside out ? be able to answer almost any question.

* Benefits. Think of how each of the features of your product/service can benefit the customer and always mention that first ? right at the beginning.

* Presentable. Be neat, presentable and clean and that includes smelling good too. Dress as the audience expects.

* Rehearse. Practice your presentation over and over gain. Use audio and video tape, do it in front of the mirror and ask friends and colleagues to offer suggestions. Do not underestimate this.

* The 70 ? 30 rule. Listen more than you talk ? ask questions ? find out customers concerns so you can ease them away.

* Enthusiasm. Show enthusiasm, energy, friendliness and professionalism and show confidence in the product/service. Mention nothing negative ? even if the weather is lousy.

* Easy. Make it easy to handle, try, test the goods or services and then make it so easy to buy.

* Boldness. Ask for the business.

* Friendly. People buy from people. Never argue or make the customer look silly. Here's a list of some of the things that annoy your customers:

+ Spread himself out in my living room
+ Used the toilet and didn't lift the lid
+ Had smelly breath/ body odour
+ ried to pressure me
+ Didn't listen to me
+ When I said it wasn't for me she insisted
+ Tried to convince me I was wrong
+ Talked down to me as if I was stupid or inferior
+ Hinted that I was stupid for not seeing the value of what he was offering me
+ Avoided answering my questions
+ Kept saying bad tings about other companies
+ Went over to my bookcase and took down a book and made some comment
+ Kept talking about his children
+ Didn't have an order form needed to progress the sale
+ Was too smarmy ? kept using my name all the time as a sales technique
+ Spoke too quickly and didn't give me much time in the car ? felt we had to hurry
+ Made me feel I was bothering him ? that I was interrupting him

Of course you don't do any of these!

ALL SUCCESS WITH YOUR SELLING!

Bill is managing director of Brilliant Web Workshops and is committed to discovering, demystifying, distilling and disseminating practical knowledge to help people do even better. He is putting most of his workshops online so people can do them anywhere, anytime. http://www.brilliantwebworkshops.com

A New Idea For Venture Capitalists

Obviously, it hurts when a promising business project you backed financially goes down the tube.

But while you point to many possible causes, seldom do you attribute the wreckage to a lack of effective communications that might have modified the behavior of sales prospects in a positive way, thus averting a money-losing shutdown.

Is it not possible, Mr. or Ms. Venture Capitalist, that aggressive publicity and promotion might salvage the occasional, marginal investment?

I believe it could, so here is a suggestion.

Make it standard operating procedure, starting with your next venture, (a minor cost compared to your investment) that any project you back MUST include an adequately funded, top-notch plan to aggressively publicize the venture.

Here's why. In public relations, we know people will act on their perception of the facts before them about your new venture. Further, we know that those perceptions will lead to predictable behaviors, good or bad, about which something can be done.

So when we create, change or reinforce that opinion by reaching, persuading and moving-to-desired-action those folks whose behaviors affect your new venture, your public relations effort is a success.

I know you have startup worries beyond public relations concerns, but consider for a moment some very serious PR exposures faced by that new venture of yours, and especially by the new management you recently installed.

If sales prospects are not made aware of your product or service, you will not get them as customers. And, as customers, if they don't remain convinced of the value of your product or service, you lose them.

If employees believe your new management doesn't care about them, productivity suffers, and if a minority person believes your new venture discriminates when it doesn't, a host of unnecessary problems may ensue.

For that matter, if community residents perceive your new business as a lousy place to work, you have employee hiring and retention problems. And if insurance carriers perceive your new management as a bad risk, they don't provide the needed business coverage.

There's more. If journalists are suspicious of your new management's motives and they are not convinced otherwise, the venture gets "bad press." And if business people believe what some competitors say about the new business, that strategic alliance your managers want so badly may not come about. Plus, as you grow bigger, if government regulators believe the venture's products are not completely safe, sales will almost certainly be negatively affected.

By the way, this article calls addressing these kinds of risks a new idea for venture capitalists because I've yet to see it discussed or even mentioned in the public press.

Fortunately, you can put the kind of PR we're discussing to work immediately on behalf of your newest venture by introducing the new program to its managers with a brief, no-nonsense charter. Possibly along the lines of "yes, yes, I know you're very busy but it's our money on the line here and we're going to do everything possible to make it work!"

From that might flow these "marching orders" to your managers.

You will take the time to meet with members of your most important audiences and evaluate their feelings and beliefs about you and the business.

You commit to take action when you discover troubling perceptions that could lead to negative behaviors.

You accept that what people BELIEVE to be true, versus the truth, defines your public relations problem.

You will raise your profile, and that of the business, by regularly speaking before business and fraternal clubs, by meeting with the media and by promoting your business as appropriate, thus building the kind of good will you will need should things go awry.

You will prepare carefully thought out, persuasive messages that directly address the misconceptions you discover during your periodic fact finding sessions.

You will select effective communications tactics that will carry those messages to your key audiences in a timely manner. And you will choose from a wide array of tactics such as meetings, speeches, luncheons, facility tours, promotional events, emails, media interviews and many more.

And finally, you will track the progress of your public relations effort by speaking regularly with members of those key audiences, and monitoring both the media and the reaction of community residents and other businesses, adjusting your strategy and tactics accordingly.

Yes, Mr. or Ms. Venture Capitalist, it does hurt when a promising project you backed goes down the tube.

Of course, you are, and must be concerned with a host of financial, human resource, legal and competitive issues for each new venture.

At the same time, in my view, you must remain vigilant as to how a single issue - potentially dangerous, unattended perceptions among a key audience -- can nudge a fledgling business closer to failure than success.

Fortunately, the "marching orders" outlined above will lead your venture management team to resolve such issues without a major investment in either time or money.

Please feel free to publish this article and resource box in your ezine, newsletter, offline publication or website. A copy would be appreciated at bobkelly@TNI.net.

Robert A. Kelly ? 2005.

Bob Kelly counsels, writes and speaks to business, non-profit and association managers about using the fundamental premise of public relations to achieve their operating objectives. He has been DPR, Pepsi-Cola Co.; AGM-PR, Texaco Inc.; VP-PR, Olin Corp.; VP-PR, Newport News Shipbuilding & Drydock Co.; director of communications, U.S. Department of the Interior, and deputy assistant press secretary, The White House. He holds a bachelor of science degree from Columbia University, major in public relations.

Visit: http://www.prcommentary.com; bobkelly@TNI.net

Backpacks and Bullies. Is Your Child Prepared?

As the flurry of Back to School activities subside, parents are left to ponder more pressing issues than notebooks, backpacks, and sneakers.

Will my child succeed this year? Will his academic and social growth meet my hopes and expectations? Have I done everything I can to make this possible?

If you haven't prepared your child for the school bully, not only could your dreams and aspirations end in failure, but your child could fall victim to the violence, and suffer long-lasting repercussions.

Make no mistake; bullying is a form of violence. Experts estimate that almost 75% of today's youth will be involved in some aspect of bullying before they enter high school. And chances are, your child will be among the statistics.

Humiliation, fear, anxiety and depression are the constant companions of a child that is bullied. It can lead to harmful, shocking and unexpected behavior from an otherwise shy or timid child.

Victims feel ashamed and tend to view themselves as failures. They are more prone to stress related illnesses such as headaches and stomachaches. In extreme cases, the victim of a bully can experience sever depression and entertain thoughts of suicide.

Lack of safety is one of the top concerns of young people, and bullying is a real and constant threat. A child's emotional development is just as important, if not more so, than academic development. In fact, a safe, healthy emotional environment is essential to academic growth and success.

How do you prepare your child for the school bully?

Become involved and make certain your school has active anti-bullying policies in place. Disciplinary guidelines, procedures for investigating and reporting incidences of bullying, adequate supervision, and an immediate plan of action to address reports of bullying are key elements to a successful program.

Teach your child to walk tall and proud and to maintain eye contact. Portraying a positive, self-confident stature will help your child cope in many areas.

Be certain to compliment your child and gently encourage changes that will bolster self-esteem. Use positive words that validate his or her rights as a person.

Use role-playing techniques to illustrate proper responses to negative situations. This will build strength, courage and provide your child with valuable emotional resources to pull from in times of trouble.

Help your child to identify role models, from sports heroes to everyday man. Discuss the obstacles and accomplishments they endured, focusing on the resilient human spirit.

Read stories together that inspire. Discuss how strength of character and perseverance can achieve a positive outcome without resorting to violence or force.

Encourage your child to keep a diary or journal, write poetry or songs. Writing provides a safe outlet for your child and creativity and self-expression are helpful tools used to work through negative issues.

If your child has difficulties making or maintaining friends, intervene - friendships are a protection against bullying. Identify children that might have things in common with your child and arrange a visit.

Encourage your child to join activities both in and out of school that will result in friendships while building strength and confidence.

But most important, don't diminish your child's concern over a classmate's taunting and teasing, it could very well lead to damaging repercussions. Instead, prepare your child for the bully by empowering him with confidence and self-esteem through your words, actions and embrace.

About The Author

Patricia Gatto and John De Angelis are the authors of MILTON'S DILEMMA, the tale of a lonely boy's magical journey to friendship and self-acceptance. As advocates for literacy and children's rights, the authors speak at schools and community events to foster awareness and provide children with a safe and healthy learning environment. For more information, please visit Joyful Productions at http://www.joyfulproductions.com

pgatto@ptd.net

International Calling Made Simpler And Cheaper

When people make international calls from their cell phones or land lines they often have to be aware of what time they are calling, and even where they are calling from. This is because international rates can skyrocket through the course of a day. Things are not much different with traditional phone companies. International phone rates are generally extremely high with major phone carriers, so many people are forced to limit the number of calls they make outside of the United States each month.

Prepaid Long Distance

Prepaid international phone accounts can greatly reduce the costs involved when placing calls overseas, and to Canada, Mexico, Asia and South America.

Pin Free Service

Prepaid phone accounts function in a similar way to calling cards. However, they do not require a pin number to make a call. Callers can access their accounts through a toll free number, or through a local access number that works in their area. Using a local access number will actually reduce the already low rates by one cent per minute.

Prepaid international calling can save people with family and friends in other countries a considerable amount of money. It is also beneficial for people who are traveling. Callers can connect to their accounts through an access number from almost anywhere.

Managing Prepaid Long Distance Accounts

Signing up for a prepaid long distance account can be done quickly online. As soon as your credit card is verified, your account is ready to go, and you can begin making long distance calls. You can keep track of your prepaid long distance account online. The customer management system allows you to view monthly bills and credit card charges, and it grants you access to exclusive offers and speed dial maintenance.

At any time, you can recharge your account. This means that if you run into a problem while you're on the road, you can quickly add money to your account.

Bernard Pragides is the owner of http://www.MrLongdistance.com and has been in the telecom business since 1997. His website MrLongDistance.com offers prepaid long distance from Tel3Advantage. Main Features are PIN free dialing and cheaper quality rates. You may contact him via email at helpmesave@MrLongdistance.com

A General Discussion about Unsecured Personal Loans in the UK Financial Market

Personal loans are offered by lenders such as banks and building societies and are available in a variety of formats, each of which may differ in the possible size, term and purpose of the loan you need. The internet has widened the choice of lenders available supplying personal loans online. The maximum loan value and length of time over which the loan is repaid will not be the same for all types loans for instance. The repayment term available may depend on the purpose for which you require the Credit, and may be restricted accordingly e.g. Loans for holidays and travel may be restricted to a 12 or 24 month term. The amount available usually ranges from ?500 to ?25,000 over a term of 6 months to 10 years. This will vary between lenders and products that they offer. The amount borrowed is subject to an interest charge, which will be quoted as a percentage. This rate is known as the Annual Percentage Rate (APR). As a general guide, it is advisable to compare the A.P.R's of different products, as this will help you to determine how competitive the different creditors are.

The way lenders quote interest rates varies. A fixed interest rate will stay the same throughout the length of your loan, regardless of any changes in the bank base rate. If the rate offered is a variable rate, it may rise or fall in line with any changes the Bank of England makes to the base rate during the term of your loan. When lenders quote their APR's they will state whether these are "typical" or whether they are set at one rate for all successful applicants, regardless of the risk they present. The typical rate is a rate that is offered to over 55% of successful applicants at the time, and the exact rate offered to you will depend on your personal circumstances.

Personal loans are normally repayable monthly. The lender may permit over-payments and lump sum payments, which allow you to clear the loan over a shorter term than that agreed at the from the start. It is VERY important to remember that some lenders will charge you a penalty for repaying your loan early this can be up to 2 month's interest or more. Lenders may offer "payment breaks" or "repayment holidays" as part of their personal loan package and these allow you to take a break from your repayments at the beginning of the loan or at any agreed point during the term you can some times set this with the lender so you don't pay in August or December so you have more money for holiday times. Interest may still accrue on the balance outstanding so the exact terms should always be verified with the lender before you sign.

Unsecured loans can be difficult to obtain, particularly for those with an impaired credit history, who will be forced to pay a fairly high rate of interest if any willing lender can be found be very careful not to end up paying over the odds it may seem good at the time but you will regret it later trust me.

All loan products are advertised with their Annual Percentage Rate. The APR on a loan reflects the true cost of a loan to the customer, taking into account the loan interest rate and any additional charges. This makes it easier to compare loans with different up-front charges and introductory discounts, meaning you can make an informed choice when you decide which one to go for.

George McGonigal

George is webmaster of an online personal loan resourcs website for UK borrowers. We bring under one roof lenders who offer online quotations to allow our visitors to compare rates in the comfort of their own homes. Why not visit us at UK Personal Loans Online: Compare online loan rates for secured or unsecured personal loans in he UK.