Archive for March, 2010

Three Reasons to Buy the Pro-Bind 1000 Yearbook Binding Kit

March 17th, 2010

If your school is looking to save money this coming year, one thing you should consider doing is binding your yearbooks in-house. You can easily do so with the Pro-Bind 1000 Yearbook Binding Kit from MyBinding.com. This kit has just about everything you need to bind your yearbooks – all you need to do is print out your content. Here are three reasons why you should get this package. Check them out:

  1. This package contains a Pro-Bind 1000 binding device. This machine is capable of binding both hardcover and paperback documents so you’ll be able to use a wide variety of binding supplies that are 3/4″ thick or less. The Pro-Bind 1000 only needs 3 minutes to warm up and it can bind a document in about a minute. (Note: this device can only bind one book at a time.) It even has a cooling rack so you have somewhere to put your work after it’s bound. You’ll find this device is really easy to use thanks to its one-button operation and if you forget to turn it off after use, it’s no big deal because it will turn off on its own. (This will help you save money on electric costs and reduce the risk of fire.) The Pro-Bind 1000 comes with a one-year warranty.
  2. After you’ve bound your books and let them cool off, you can crimp them with the included Pro-Bind Crimper. Crimping your documents is necessary because it helps adjust the spine properly. This helps the bind become more secure so pages won’t fall out of your book. The crimper is really easy to use and you only have to leave each book in it for a minute so it doesn’t take long to finish off your yearbooks. Also, this device is durably constructed and it doesn’t require any power. Like the Pro-Bind 1000, it’s backed by a one-year warranty.
  3. Finally, this kit includes 50 hardcover spines to help you get started. These covers are compatible with letter-sized paper and are available in three sizes: 1/8″ (33 pages), 1/4″ (65), and 3/8″ (98). They’re covered with kidskin-like substance and they’re available in black, blue, maroon, and white. You can order customized printed covers or even have some text and/or graphics foil-printed on these supplies. And if you need more than 50, you can order additional covers in boxes of 20. These spines are definitely cheaper than having your yearbooks printed off-site, that’s for sure.

The Pro-Bind 1000 Yearbook Binding Kit contains an excellent assortment of devices and supplies you need to start binding your school’s yearbook. The Pro-Bind 1000 is a terrific binding machine and the included crimper will help give your work the finishing touch. The 50 hardcover spines are a nice inclusion as well. Best of all, this kit can help you save money so your school’s budget can remain in the red which is extremely important in this economy. All together, this is a great kit and there are three great reasons to buy it, so be sure to order yours from MyBinding.com today.

Logbook Loans For Bad Credit in The UK

March 16th, 2010

Just because you have bad credit and a string of county court judgements, IVA’s, or bankruptcies does not mean you cannot get a loan when you need one. Anyone over the age of eighteen, who has proof of their income and who is the legal owner of a car which is paid for in full, or almost paid for, can obtain a loan for around 75% of the value of the car in less than 24 hours. Not only that, the loan can be cash so you don’t even need the inconvenience of having a bank account, and lenders rarely bother with credit checks.
Loans secured against the value of your vehicle are known as log book loans, and can be issued for far more than just cars. If you have a caravan, a motorcycle, van or Winnebago, in fact anything which has a log book in your name and a V5 document, can be used to obtain a log book loan. Of course as the loan is secured your vehicle is at risk of repossession if you fail to make the payments. The logbook itself acts as collateral. Some log book lenders have branches which you can drive to, leave your log book, and drive off with a pile of cash.
Whilst this may sound like an excellent way for those with bad credit to secure a loan, it is in fact a terrible rip off, with exorbitant interest rates being levied against the loan. Each of the loan providers I looked at did advise borrowers to pay off their loans as quickly as possible to avoid paying excessive interest, but generally the loans are available between terms of one month up to 78 weeks.
The four main players in the log book loan game each charge a similar interest rate. These are Logbook Loans (APR 437.4%), V5 Logbook Loans (APR 439%) UK Logbook Loans (437.4%) and Mobile Money Log Book Loans which offers the bargain rate APR of only 378.3%.
A typical repayment schedule issued by Logbook Loans shows a loan of £1,500 can be repaid in one month for just £1845 in total. If the loan was issued over the full 78 weeks, which is the maximum term, the monthly repayments would be £232.08 per month. The total amount to be repaid over 78 weeks thus equates to £4180.86, meaning a massive £2,680.86 is paid in interest. Considering that to receive a loan of £1,500 in the first place the car must be valued at £2,000, the borrower would end up paying more than the full value of their vehicle in interest charges.
It is patently obvious that anyone who is desperate enough to take out one of these loans is financially inept and stands to have their car repossessed. The terms are nothing but usurious but no one is forcing anyone to take them out. The chances are that the lenders themselves may well be at risk of issuing finance on stolen cars and log books.