Secured Personal Loan Consolidation

Lucky - Jason Mraz featuring Colbie Caillat
Bookmark and Share

Thursday, September 17, 2009

Secured Personal Loans—Avail Finance At Your Terms

People obtain the necessary funds easily once they have made up their mind to take a loan on your property. Secured personal loans have become popular with borrowers because of the many benefits associated with it. Two of the many attractions of secured loans are lower interest rates and the loan amount larger. Borrowers more benefits if they are experts on key aspects of the loan.

Secured personal loans can be used for various purposes, such as bill paying for education or marriage, the house, going to holiday travel, etc. You can use secured personal loans, including consolidation debt.

Any property having equity is qualified to be placed as collateral with the lender. Usually at home is considered the best guarantee of their greater wealth. If you do not want to risk home after a very marketable as the car is good. Infect the guarantees have a role to play in the loan agreement. The amount of the loan and interest rates are determined more on the fairness of the guarantee. The value of collateral, less the amount of loan applicants before the fairness ago.

You can borrow from £3000 to £75,000 in personal loans secured option. The range is normally meets the needs of different borrowers. Moreover, factors such as the value of the guarantee and the highest credit report comes into play. Borrowers should avoid taking a loan more to save them from debt.

A lower interest rate for secured personal loans is a great attraction for borrowers to qualify for the loan. Compared to other types of loans, interest rates on home loans secured personal 2-3 percent. Borrowers save much money in interest. Moreover, the interest rate is further reduced when the borrowers to search for the right lender on Internet.

Lenders provide secured personal loans for 5 to 25 years. Benefit borrowers who prefer to use the loan for a shorter period for which the debt is not done for years. Addition, the shorter the repayment period can also be useful in reducing interest rates. Borrowers of personal loans secured not to be attracted to the Term Loan lenders offer lower monthly payments as this could result in a total payment of interest up.

Secured personal loans do a great job to save the crisis mounted borrowers with bad credit. First of these borrowers must demonstrate an improvement in credit for the payment of debt and get the report easy to reconstruct from a recognized organization. Credit rating of lenders to verify the risk of giving loans. A credit score above 620 is considered safe, while a lower score could create problems for borrowers in terms of lower interest rates and the loan amount larger.

Although readily available, the borrowers must make special efforts to make personal loans secured an interest rate below that fits your budget.
Read more »

Tuesday, September 15, 2009

All About Debt Secured Personal Loan Consolidation

In today's world, most of us are trying to cope with rising costs. Despite all these sincere efforts, you are unable to address the complexities of the context. And one need or another refuge in loans without thinking about how you pay. This leads to the accumulation of unpaid bills in his desk. Also, whenever you find yourself trapped in the vicious circle of debt. You can leave your impaired loans and create obstacles in applying for loans in the near future.

For all these problems are not insured loans debt consolidation personal. We will discuss all relevant data on personal loans are secured by the consolidation of debt.

Debt consolidation secured loans are designed specifically to address the problem of debt for borrowers. For these loans, you need to offer some of their assets as collateral to secure the loan. May be in your home, vehicles or other property of value. Non-repayment of the loan, the lender will have full authority over its activities. So be careful with the repayment of loans secured debt consolidation personal.

In turn, this factor of risk coverage, the lender several advantages such as lower interest rates, higher loan amounts with longer repayment period, etc. Under this plan, all debts will be merged into one debt and interest rates will be charged on that amount.

You must be very cautious about spending. You can start your search for secured debt consolidation personal loans from various online sources. There you will find innumerable lenders at a single place. You can also find nominal rates of debt consolidation loans secured personal, due to strong market competition.
Read more »

Saturday, September 12, 2009

Avail Secured Personal Loans With Low Interest Rates

Homeowners generally meet their financial needs with loans secured personal. Features such as profit rates are low, the large amount of loan, the repayment terms longer associated with loans secured personal. Are protected for personal loans, lenders require security secured.

The borrower can put your property as collateral like home, land, banks, etc., take protective measures to minimize risk personal loans secured. In the event of default, the creditor may take possession of the debtor.

The insurance offered by the lenders decide on the amount of the loan. Property held as collateral is valued and, on this basis, the loan has been resolved. Borrowers who have credit scores and good financial standing can take quite.

Borrowers get longer repayment period, which helps the borrowers to repay the loan with ease. Interest rate is a crucial factor for all types of loans. All borrowers who wish to obtain low interest rates. Secured personal loans offer loans at low interest rates.

With the financial situation of borrowers or borrowers with bad credit can also be misused personal loans secured. Since the creditors in case of secured loans can seize personal property in situations of this type of default, lenders offer loans with little risk.

Secured personal loans are multipurpose loans that can be used for multiple purposes, such as restructuring, consolidating debts, purchasing a new car, children's education, purchasing holiday packages, etc.

Borrowers are asked to calculate the amount of the loan, before going for personal loans secured. Before calculating aid borrowers to borrow, if necessary. This practice also allows the borrower to repay the loan in time.
Read more »

Monday, September 7, 2009

Using The Equity In Your Home With A Personal Loan Secured

The house in which one lives can become something more than just a place to live, if you take a personal loan secured against it. Using the value of your home, you can get your key personal requirements occurred. Secured personal loan taken against your house can be used to achieve one of its main goals.

Sure, offers his house as collateral for personal loan secured is taking a big risk. This is because in case of his inability to pay the mortgage on the house can be taken by the lender. However, the multifaceted benefits of a personal right secured loan justify the risk they undertake. A personal loan cash advances secured very favorable.

First, do not require higher interest payments for a personal loan secured. Leaning your home, which reduces the risk of the provider, and are satisfied with a lower interest rate. Then, a secured personal loan you can get a lot of hard currency And his security permissions. At the same time, you get a lower monthly payment and a period of long-term loan for a long period of time.

You can also use a personal loan secured for most of its staff, except for daily expenses. It can be used to purchase cars, take a vacation, make home improvements, funding education or the implementation of major personal purchases. In addition, you can receive a personal loan obtained despite a poor credit rating. Then an intelligent use of his house and take a personal loan secured against it for their personal needs.
Read more »

Thursday, September 3, 2009

Bad Credit Secured Loans – Benefits Of A Secured Personal Loan

A low credit score used to prevent many from obtaining home loans, auto loans, credit cards and personal loans. Because bad credit can improve rapidly, many lenders have become more flexible lending criteria and are willing to offer secured loans to people with low credit ratings. There are many types of bad credit secured personal loans. If credit is used wisely, the borrowers can actually improve your credit score.

Benefits of a Personal Secured Loan, Bad Credit

Some consumers have terrible credit habits, which contributes to a low credit rating. Despite the mistakes of credit are common, there are ways to improve a low score. The key is to recognize past mistakes and make better decisions lending.

A bad credit secured personal loan is a perfect way to re-build credit. When lenders review credit reports, many factors influence the adoption of a line of credit. These include the length of credit history, outstanding, payment history and the position of the current account. If any of these factors is not, creditors can not refuse an application for credit or charge a higher rate.

Obtain a lower rate of interest is not necessarily a bad thing. The highest rates are expected. Of course, it usually means that the monthly payments. However, if your goal is to raise a low credit score, is not in possession of this higher goal.

Types of secured loans Bad credit

Several methods for obtaining a bad credit secured loan. You can visit a local credit union, bank and fill out a loan application. To be approved of these loans, secured, adequate security is necessary. If you own a vehicle, the lender may accept as a vehicle. Incentives may also include a precious piece of jewelry, electronics, furniture, etc.

Borrowers in the market for a new car may take into account the implementation of a new car or financing of credit. Auto loans are secured and a great way to improve your credit rating is low. Similarly, bad credit auto loans have much higher rates. To minimize the monthly payment, consider financing a vehicle at low cost, or have a deposit of at least 10%.
Read more »

Wednesday, September 2, 2009

Forget Your Secured Loans Debt Consolidation Personal

Borrow for different purposes. But too often fail to repay the loaned amount in time. Later, he falls into the clutches of bankruptcy and mounting debt. He thinks about how to get rid of sleepless nights and some days without problems. Ultimately, by itself, without finding a solution. But here is a loan that is always ready to help with sound solutions. Meet consolidation loans secured loans personal capital ideal for wells throughout the world the number of debts.

First, try to understand what is meant by the term "secured personal debt consolidation loans". It's actually a type of loan whereby a borrower can easily consolidate all your debts into a single manageable loan. Suppose that it took six loans from six different donors, but the difficulties in paying the sum paid on time. Now, by consolidating all your loans into one, you can pay only on loan for a lender instead of several loans to various creditors .

You can get personal loans are protected from debt consolidation, just putting a secured against the loan. This security secured is called in the loan market and could be the shape of a house, car, jewelry or other property related to the borrower. Since the amount borrowed is secured against the assets of the debtor, the creditor usually offers loan terms for borrowers.

Now you can receive secured of personal debt consolidation loan in a lot of money and a longer repayment period. In general, these types of loans are offered in a range from £5,000 to £75,000, which is repayable within 5-25 years. Since these loans are available for security, so that lenders require higher interest rates.

You can use secured loans for debt consolidation, if you have a good credit rating. However, this does not mean Bad credit holders are left unresolved. They can also apply for these loans and the repayment of the loan amount on time, they receive the benefit of improving your credit score too.

Without doubt, the debt consolidation secured personal loans are full of benefits, but are not without flaws. If a borrower does not repay the sum borrowed time, may also lose his property, is committed. However, it will create problems for you if you have confidence in you and your ability to pay.
Read more »

Tuesday, September 1, 2009

Bad Credit Personal Loans Secured Desserts Are Like Last Year Or The Best Sources Of Credit Deterioration

Plato said: "We can easily forgive a child who is afraid of the dark. But the real tragedy of life is when men are afraid of light."

Are you afraid of bad credit? Then this article is perhaps for all of you who feel bad credit is a problem. What is the first step in dealing with bad credit. You may ask why I quote Plato, who mentions 'light' when it comes to bad credit. This is because bad credit is not a sad state of affairs. And we have enough light to find bad credit personal loans.


No doubt there are many bad credit personal loans but hunting for a loan secured bad credit is welcome. Having a perfect debt is an idealized concept. About 1.5 million borrowers last year failed to meet credit standards last year. You have read credit is not perfect, but it is extremely unlikely that you could have found someone with perfect credit.

Bad credit personal loans are optimized for the benefit of the loan borrower. Loans are classified in Bad Credit - Bad credit secured and unsecured loans, loans for bad credit.

A loan borrower becomes the candidate for bad credit personal loans secured until they are equipped to perform security for the loan. You do not need an expert to understand bad credit personal loans secured. Basically, the owners may qualify for loans secured bad credit personal. Secured bad credit loans are secured on your property.

A loan secured bad credit personal depends on the borrower providing security for the payment. This means that if you placed your car as collateral if the loan that the lender can take possession of your vehicle. By default, in the case of secured personal loans bad credit can have dramatic consequences. You can also lose the property. This is a legal notice that you need to focus on personal loans secured for bad credit.

Bad credit secured personal loans is important to you, if you missed payments on a previous loan, mortgage is registered, there was a county court against you or problems with their credit cards. Sometimes circumstances are beyond your control and lead to bad credit.

Before taking loans secured bad credit personal attempt to assess the credit report. A credit report reflects the credit history of a person and is prepared by the Bureau of credit. Credit institutions on the creditworthiness of borrowers of loans through the credit report. The credit is encouraging that this is not obvious because you have bad credit. However, be aware of your credit report will help to prevent abuse by donors of the loan. Bad credit loans with the secured of the debtor, who is honest about his credit status is highly considered, while the granting of loans.

Secured personal loans for bad credit you can take a loan from £5000 to £100,000, with loan duration varies from 3 to 25 years. Secured bad credit personal loans have a lower monthly production, interest rates lower. However, since some shopping time for a realistic interest rate loans secured bad credit personal. Interest rates are higher in the form of loans. You can get some of the best deals online personal loans secured bad credit.

Bad credit personal loans are also known to deal with bad credit. Bad credit secured personal loans are not only a cure for a bad credit but also help establish a positive credit status. Bad credit personal loans plans have the ability and potential to build once again a state of good credit.

What can be done with loans secured personal bad credit? Improve housing, holiday, dream car, the reasons for debt consolidation, wedding expenses and almost all staff were in particular.

Bad credit is the opposite of credit repair. And believe it or not credit repair starts at home and the repair is an extremely constructive. If you take bad credit personal loans secured for the simple fact of meeting the financial needs then rethink the idea particular. Take responsibility if your spending habits are alarming or an appointment with a credit card is beyond your explanation and make amends. It's easier to start over with a bad credit secured personal loans.
Read more »

Monday, August 31, 2009

Easing Debts… Secured Personal Debt Consolidation Loans

When you're surrounded by the endless dark, because of the debts of many, the only hope for you is debt consolidation. Secured personal loans debt consolidation loan secure means of getting rid of all the existing debts by paying them. Personal consolidation loan is a secured debt, such as loans for the repayment of debt. But the advantage is that the debt is borrowed at a rate much lower than that verse. It also reduces the debt payment to a number that allows you to repay the debt through a monthly fee.

When you're surrounded by the endless dark, because of the debts of many, the only hope for you is debt consolidation. Secured personal loans debt consolidation loan secure means of getting rid of all the existing debts by paying them. Personal consolidation loan is a secured debt, such as loans for the repayment of debt. But the advantage is that the debt is borrowed at a rate much lower than that verse. It also reduces the debt payment to a number that allows you to repay the debt through a monthly fee.

A Secured Personal Debt Consolidation Loans offers worth between £5000 and £75,000 for a period of 5 to 25 years. The term that you can get a refund depends on the amount borrowed and the loan varies from lender to lender. It is strongly advised to find a good lender, instead of going blind from a secured personal debt consolidation loan deal.

While searching for a secured personal debt consolidation loan lender may require the help of the Internet. Considered communication medium like the best, the Internet option is used with free loan quotes online, you can easily compare with the help of comparison tools available online. There are also online tools such as calculators and loan repayments will give you a better idea of their situation and plan of credit. You can apply for a secured debt consolidation loan obtained by completing a simple application form with the requested data as the names and contact information, and details of the guarantee and the loan amount requested.

As the secured personal debt consolidation loan is a backup copy of the warranty, since the warranty is transferred to the creditor at the time of the agreement. Thus, borrowers are required to make repayments timely payment of the loan and the lender can take possession of his property to retrieve their money. A secured personal debt consolidation loan to accept as collateral the following:

• Home or residential

• The real estate sector, which is real, etc.

• By car or boat

• Any other activity

People go to consultation concerning credit, debt education and debt management, professional be consulted to manage their debts. These measures are effective, but much time and the determination of the debtor. A secured personal debt consolidation loan is more rapid relief of those who may be looking.
Read more »

Saturday, August 29, 2009

Leaving The Quagmire Of Secured Personal Loan Consolidation

Secured Personal Loan Consolidation is designed for people who are under the control of multiple debts. You have a sigh of relief after the settlement of debts into a loan. Secured Personal Loan Consolidation helps in managing debt in an organized way.

Because of their low income and poor economies is a difficult job to make ends meet. Their needs and desires that require credit programs and credit cards on different soils. The temptation to buy more things in life makes you a victim of multiple debts. It becomes unmanageable debts to pay more in a moment. Thus, the Secured Personal Loan Consolidation is to argue that in such adverse situations in life.

Secured debt consolidation loan requires that your property to be put under warranty. You do not have the low interest rates, long repayment period and small monthly payments. It also allows you to borrow an amount that you must put your property in question. The provider also offers the flexibility on all terms and conditions.

But you have a great risk of losing your property if you can not pay the amount for the lender. Who will take care of your legal right to property.

Secured debt consolidation loan relives headaches due to various lending institutions. You should not chase a provider to another. You are responsible for one creditor each month. You can also save your money was paying a high interest rate of their previous loans. Thanks to the Internet, you can gather a lot of facts debt consolidation loan and credit institutions secured.
Read more »

Secured Personal Loan Consolidation: Manage Your Debts And Desires

The Secured Personal Loan Consolidation can be defined as an effective way to get through loads of debt and faced with numerous all their needs and desires. Because the type of loan is Secured that you must provide a Secured against the amount you borrow. The best part of the consolidation of personal loans is its Secured of availability. They also offered to people with bad credit. Money offered here is widely used for debt consolidation, but also any other personal use can be made. We can go even further to the restructuring of his house, purchasing a car, a dream vacation every project, etc.

Secured Personal Loan Consolidation: Some data As the name suggests, like any other loan secured will be asked some security against the loan amount that you have taken. The guarantee may be home, stocks, bonds or value. This helps lenders be sure that the return on investment that satisfies the interest rate lower. Secured Personal Loan Consolidation is generally available at 10.9% APR. However, it can fluctuate between 7.9% APR variable to 19.9% APR variable. The rate variable is generally higher for people with poor credit. The amount awarded depends on various factors including the lender, the financial situation of the debtor, the value of collateral, repayment of skills, etc. borrower can obtain 80% -125% of the value of the collateral.

Secured Personal Loan Consolidation: the benefits and advice
Once you go to the secured personal loan consolidation is now the duty of companies to manage all your debts and multiple needs. You must pay a single monthly fee for the company. This dilutes the majority of their financial difficulties and poverty. Simply apply for the loan online and your loan application will be sent to providers that offer secured personal loan consolidation. The installation of on-line applications can also be used as they will lead to a better deal in time. The authenticity of the lender must be verified by consulting the list of the FSA (Financial Services Authority) regulated entities. We must be honest about the reimbursement of any delay or failure will lead much debt operated can affect your credit history.
Read more »

Thursday, August 27, 2009

Tips For Debt Consolidation: An "All in One" Help!

A debt consolidation loan is a loan used to repay several other loans or other debts. A debt consolidation loan is a loan secured goods at low cost in the form of any securable home, vehicle or any other property of value. Debt consolidation loans consolidate all debts incurred through personal loans, credit cards, overdrafts and set up a number of unpaid bills have more time. These loans may have a new beginning, which allows you to consolidate all your loans into one - and to easily manage the payments and in most cases to a lower interest rate.

A debt consolidation loan can cost, both for your interest and reduce your monthly repayments by restoring control over your life.

Solutions for debt consolidation are practical ways to eliminate credit card and other high interest debts and restore your financial health back on track and the future. To be concerned about the debt 24 x 7 is extremely stressful for you and your family. So a few minutes now and find out your options.

1. Take a debt consolidation business with a good reputation.

Do not assume that every non-profit entity will be required, where, after your interests for more than a profit. Shopping around you with the means to decide on one that suits your personal situation and budget. Spend time to research lenders and get quotes from a handful before deciding on this book.

2. Coping alone.

Take the time to go to the expense of working for yourself and see how much you pay, how long will it take to repay the loan, etc to the hidden costs, costs of creditors, financiers, etc. Payment protection very basic add insurance, loans without the knowledge of the debtor, which is often more expensive than those available elsewhere. Persons who wish to consolidate their debts, take the first opportunity, without suffering the lowest prices and the other options available.

3. It is cheaper in the long term?

Repay existing debt may be incurred expenditures for the timely solution, and there may also be a right for the organization of your consolidation loan. A debt consolidation loan is less expensive than individual loans and debts, because it is their goal. Otherwise, how is different from all other loans secured? In addition, a new debt consolidation loan, you can say that prolonging the period during which you repay the debt - and the interest of a higher cost in the long term. To read the fine print on your credit report before signing.

4. Interest

Make sure that the difference between variable and fixed rate loans. If you choose a mortgage with a variable interest rate, you can get a low initially, but in some years it can reach the summit. Instead, a fixed rate option does not vary with any changes in interest rates. However, you do not win, if the decline in interest rates, either.

5. Debt consolidation tips

The consolidation of debt with the consultation of debt, as is possible with expert advice on financial debt. This would help to arrange the current liabilities, but also prevents you still have future liabilities. The debt can talk with creditors to reduce the interest rate to avoid late fees, modify and expand the capabilities of your repayment period of the loan. On the basis of an organization that the member of the National Foundation for Credit Counseling (NFCC) or the Association of consumer credit agencies for independent advice (AICCCA is).

Deposited to your secured low-interest loans for debt consolidation could sweep up the pile of repayments to replace your credit and store cards, loans and replace them with one, low cost, monthly payment - one well calculated to be within your means. Never take a loan that is at the top, take something that meets your needs.

And demonstrated that a significant number of citizens are not aware of the benefits of debt consolidation options and are wary of how it works. It 'necessary to educate the public about solutions to debt consolidation to increase and develop new varieties and features for the debt consolidation loan. There is great potential to increase the performance of consolidation loans.
Read more »

Monday, August 24, 2009

Forget Your Debts With Secured Personal Debt Consolidation Loans

You can take loans for different purposes. But very often fail to repay the loan on time. Subsequently, it fell under the pressure of failure and more debt. You think about how to get rid of him, passing sleepless nights and difficult days. Ultimately, there is a solution. But here is a loan that is always ready to help you with meaningful solutions. Meet debt Secured Personal Loan Consolidation ideal for people who are in many debts.

First, try to understand what is meant by the term "Secured Personal Loan Consolidation" or debt consolidation. In fact, a type of loan whereby a borrower can easily consolidate all debts into one loan to manage alone. Suppose had taken six loans from six different banks, but have difficulties in repaying the full amount of the loan on time. Now, to consolidate all loans into one, you can pay only as a loan to a single creditor, instead of several loans to various creditors.

You can get the debt Secured Personal Loan Consolidation, with a guarantee against the amount lent. This protection is known as collateral for the mortgage market and could be in the form of home, car, jewelry or other property of the debtor involved. Since the loan is secured against the assets of the debtor, the creditor usually offers conditions of the loan for the borrower.

Now you can get debt Secured Personal Loan Consolidation a good amount of money and the repayment period larger. In general, these types of loans are available in a range of £ 5000 to £ 75,000, repayable in 5-25 years. Since these loans are available for safety, so that lenders require a lower interest rate.

You can avail of debt Secured Personal Loan Consolidation if you have a good credit score. However, this does not mean that the holders of bad credit are left unresolved. They may also apply to these loans and repay the loan on time, get the advantage of improving their credit rating too.

Probably debt Secured Personal Loan Consolidation are full of benefits, but are not without flaws. If the borrower does not repay the loan on time, you may even lose his property, which is placed as collateral. However, it is not a problem for you, if you trust yourself and your ability to repay.
Read more »

Saturday, August 22, 2009

Adverse Events May Qualify For Secured Personal Loan With No Hassle

Borrowing is difficult for those who have suffered from adverse credit. In addition to this, lenders are not interested in providing loans. But now, bad credit borrower does not need to worry, because bad credit Secured Personal Loan specially designed for bad credit loan for a price.

The secured on personal loans bad credit is available for people who have a home or other valuable asset. The main criteria before the debtor is willing to invest its assets. Due to the presence of the guarantee, the borrower has to pay lower interest rates and the amount available for the most reimbursement. The borrower has the authority to discuss with the provider to lower interest rates.

Adverse credit secured personal loan is offered in the form of bad credit history of borrowers, as CCJs, IVA, bankruptcy, arrears, default etc. There is no verification of the credit worthiness of the debtor, creditors have bad credit available to the borrower is required to pay higher interest rates than good credit borrower, but after making a good time, borrowers can obtain loans at interest rates competitive.

Adverse credit secured personal loan can be used for 5 to 25 years and the amount varies from £ 5,000 to £ 75,000. If the borrower makes the repayment on time, it also improves their credit history.

Adverse credit secured personal loan can be used on-line through the method. You can go online and find information, and loan program to include all sitting at home. With this method, the research and the borrower can analyze without hassle. Due to the online presence of the method, comparison tools are also available on the websites of lenders. After the search, you can get a better deal for bad credit secured personal.
Read more »

About Debt Secured Personal Loan Consolidation

In today's world, most of us are struggling hard to cope with higher costs. Despite all these sincere efforts, you may find, it is impossible to deal with the complexity of the environment. And for one or the other needs to seek refuge in loans without giving a thought to how you will return. This leads to the accumulation of unpaid bills on your table for study. Moreover, in no time you are trapped in the vicious circle of debt. You may leave your credit flawed and barriers to implementation, while the loans in the near future. For all these problems, there are no guarantees for Debt Secured Personal Loan Consolidation. Let us discuss all the details of the Debt Secured Personal Loan Consolidation. It may be your property, car or any other value. In case of non-repayment of the loan, the creditor will have full authority over your property. Be very careful with the repayment of the Debt Secured Personal Loan Consolidation.

In turn, this risk factor, the lender will do a lot of advantages such as lower interest rates, the greater amount of long-term loan repayment, etc. Under this plan, the debt will be merged into a single debt and interest in office for that amount.

You must be very careful about your expenses. You can start the search for Debt Secured Personal Loan Consolidation through various online sources. You will find many lenders in one place. May you find nominal rates of Debt Secured Personal Loan Consolidation as a result of the sharp cut of competition in the market.
Read more »

 
Powered by Blogger