Loans For Homeowners Are The Easiest To Be Approved For}

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Submitted by: Louis Rix

If you are an homeowner and are in need of a loan then you can benefit from looking around online with a specialist website for loans for homeowners. The good news is that a loan is easier to be approved for if you do own your own home as you then put up your property as security against the money that you will be borrowing.

The beauty of the homeowner loan is that you are able to borrow a larger amount of cash than you would with the personal loan and you are also able to repay this back over a longer period of time. A homeowner loan can be used for all types of circumstances including to make home improvements or to combine all of your existing debts and pay them off with the money borrowed through the secured loan, paying it back in one monthly repayment and at a lower rate of interest too.

However as the loan is secured against your home you do have to ensure that you would be able to keep up the repayments on the loan as if you cannot then you risk losing your home. You also have to consider that your circumstances could change in the future if you are taking out a loan for 25+ years. Of course the longer you choose to take the loan over then the more interest you are going to be adding onto the cost of the borrowing. You will want to keep the monthly repayments down on the loan but also you do not want to add more interest than you have to which will boost up the loan considerably.

The quotes for loans for homeowners do vary greatly so it is essential that you do get several quotes before deciding which loan to take on, a specialist can do this very quickly on your behalf and it is the best way to be sure of getting the cheapest rates of interest on the loan along with the best deal possible. A specialist website will need just a small amount of information from you and then are able to search the whole of the UK marketplace to get you the best deal. They should of course include the essential information needed that is found in the key facts and small print of the loan as this is where any additional costs can be included so when comparing the quotes they find for you also compare the small print.

While it can be tempting to ignore the small print it is essential because if for any reasons you wish to repay the loan early then there could be a substantial charge which of course means that the cost of the loan would then be boosted up considerably. You should also check to make sure that loan payment protection has not been included into the cost of the loan as this can also add a lot more than necessary onto the cost of the loan and protection can be bought independently.

About the Author: Louis Rix is Director of Netloans Ltd, a leading Secured Loan Broker for UK Homeowners offering homeowner loans and

secured loans

for any purpose, ensuring that their customers get the best homeowner loan deal.

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Birmingham Airport Lost Luggage How To Prevent It And What To Do If It Happens To You}

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Birmingham airport lost luggage how to prevent it and what to do if it happens to you

by

Paula Garrett

Losing your luggage, having it misplaced or stolen is every Birmingham airport passengers nightmare. Whether you are on a business trip, quick weekend away, or family holiday, the pain associated with lost or delayed luggage can spoil your trip.

Figures published worldwide show that millions of passengers every year suffer the inconvenience of mishandled baggage.

One airline estimates that the number of bags handled per month has increased by 25% since the new hand luggage restrictions were introduced. This must play a significant part in the increase in mishandled baggage. Figures published by the Association of European Airlines, based on 23 members data, showed that system wide in the second quarter of 2007 (April June) 16 bags per 1,000 handled were delayed or lost this is an average figure, one airline reported 28 per 1,000!

Mishandled luggage falls into several categories: delayed (missed the flight), lost, damaged or stolen.

Delayed baggage approximately 98% of all baggage classified as delayed is returned to its owners.

Damaged or stolen – when you collect your luggage from the carousel, check the tag to ensure that it really is your case, check for signs of damage or tampering and report problems immediately before leaving the airport.

Although we cannot ensure that the airline puts our baggage on the plane, we can take steps to reduce the likelihood of loss or damage to our baggage and, if the worst happens, help in the return of your luggage if it is misplaced.

The following tips are designed to help you pack and what to do in the event of your luggage being mishandled:

Packing

Before packing, check your suitcase carefully; check the seams, fabric and zips to ensure that it will withstand the rough treatment it could receive by the baggage handlers. If you are in any doubt, replace your suitcase. Go for sturdy luggage, good quality luggage, however, be aware that having expensive looking luggage can be a beacon to luggage thieves expensive luggage suggests expensive contents.

Remove loose straps or other items hanging from your case and make sure that you have removed old luggage tags and tagged your bags with your new destination address and contact details.

Dont over pack your case, if its bulging at the seams it stands more chance of bursting open and you could loose items. Its better to pack two suitcases and pay extra than risk loss or damage to your belongings.

A common cause of delayed or lost baggage is late check-ins avoid wherever possible.

Write an inventory of everything you pack, keep a note of the make, model and colour of your case if your suitcase is lost it will assist you in your claim. Quite often you can forget something important that youve packed and neglect to claim for it. Receipts help to prove the value of the items and age.

Put your name and address inside each piece of luggage to help identify you luggage should the exterior labels become detached.

Pack valuables, jewellery, house keys, mobile phones, cameras, passports, visas, documents etc. in your hand luggage airlines often have clauses in their terms and conditions stating that they do not accept responsibility for such items.

Make sure your travel insurance covers your luggage, particularly when the airline is in control of it. Should your luggage be damaged, delayed or lost your airline is responsible under the Montreal Convention, but its still wise to make sure you have covered your baggage with your insurance.

If youre travelling with a companion or family, split the luggage ensuring you pack clothes for each traveller in each case, that way, if your bag is lost or delayed you will have clothes to change into.

Dont pack anything in your case that you cant do without, such as essential medicines check with your airline before travelling due to current liquid restrictions.

Dont forget to lock your luggage.

When checking in baggage, make sure that the airline tags your bags with the correct travel details and make sure you keep hold of your ticket luggage tags.

What to do in the event of mishandled luggage

If your luggage doesnt arrive in the baggage reclaim area, report it immediately, and do not leave the airport before completing the paperwork for your lost luggage. Try to get contact details to follow up your claim. Some airlines have websites where you can track you lost baggage with a tracking number given to you at the time of your claim, others deal with lost luggage via telephone. Make sure you get as much information about your claim as possible and give as much information about your luggage and contact details before leaving the airport.

The Montreal Convention requires airlines to treat a bag as lost after twenty-one days. You may be asked to provide a list of the items that were in your missing bag and possibly for receipts. The amount you can claim from the airline is capped under the Montreal Convention, so you may find you will get a better settlement figure by claiming from your travel insurance.

Under the Montreal Convention claims should be made to an airline in writing with the following specified time limits:

Damaged baggage seven days from the receipt of the bags

ss

Delayed baggage twenty-one days from delivery

Lost baggage no time limit specified in the Convention – but passengers are advised to make the complaint as soon as possible after the bag has been missing for twenty-one days, or after the airline has declared the bag lost if sooner.

Trialling of new radio frequency identification (RFID) tagging technology is due to take place in the UK shortly, but in the meantime, by following the above advice you should minimise the likelihood of damage, delay and loss of your luggage.

Paula Garrett is a frequent traveller. For further information and guidance on how to prevent

lost luggage at Birmingham airport

and for airline contact details check out

Birmingham airport information

.

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Birmingham airport lost luggage how to prevent it and what to do if it happens to you }